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Programmable Payment Infrastructure

Global Instant Payments with Fiat and Stablecoin Rails

A programmable payment platform combining multi-currency virtual accounts, global payins and payouts, MPC-secured wallets, and stablecoin settlement rails for faster cross-border payment execution.

Built for fintech platforms, remittance services, treasury operations, and modern financial applications that require faster global value movement and programmable financial workflows.

Virtual Accounts Payins Payouts MPC Wallets Stablecoin Settlement Virtual Cards

Stablecoin Settlement

USDC USDT
Completed

Virtual Account

USD balance
$129,230.01

Payout

To bank account
$87,860.00
Unified Accounts, wallets, cards, payouts, and settlement connected in one backend layer.
Faster Designed for reduced settlement friction and near real-time global payment experiences.
Programmable API-driven orchestration for modern payment products, treasury, and routing workflows.
Secure MPC-secured wallet infrastructure and auditable transaction authorization.

Cross-Border Payments Are Still Too Slow and Too Fragmented

Global payment operations remain constrained by slow settlement cycles, disconnected financial systems, and complex operational workflows. Traditional fiat infrastructure often lacks speed and flexibility, while digital asset channels alone do not fully solve real-world payment operations.

Slow Fiat Settlement

Cross-border bank-based payment flows can take days to settle, creating friction for merchants, treasury teams, and remittance businesses.

Stablecoins Alone Are Not Enough

Digital channels improve transaction speed, but businesses still require fiat accounts, payout workflows, reconciliation, and operational control.

Disconnected Infrastructure

Accounts, payouts, wallets, cards, and settlement systems often operate in separate silos, increasing cost, delay, and backend complexity.

Solution

One Infrastructure Layer Connecting Fiat Accounts and Stablecoin Settlement

Our platform connects multi-currency virtual accounts, fiat payin and payout workflows, MPC-secured wallets, and stablecoin settlement rails into one programmable financial infrastructure layer.

Multi-Currency Virtual Accounts

Provision virtual accounts for collections, treasury routing, customer funding, and operational payment flows across supported currencies.

Global Payins and Payouts

Support inbound and outbound payment workflows with API-based orchestration, transaction visibility, and backend automation.

Stablecoin Settlement Rails

Use programmable digital settlement rails to support faster value transfer, operational transparency, and flexible payment architecture.

MPC Wallet Infrastructure

Secure wallet generation, signing workflows, address management, and transaction execution through multi-party computation.

Virtual Cards

Enable digital card issuance for spend management, operational payments, and embedded financial workflows.

Unified Developer APIs

Integrate accounts, payments, wallets, cards, balances, and transaction history through one API-oriented backend layer.

Faster Settlement Through Fiat and Stablecoin Interoperability

By combining fiat account infrastructure with stablecoin settlement rails, the platform is designed to reduce settlement friction, shorten payment cycles, and support near real-time global payment experiences.

Faster cross-border payment execution
Reduced dependency on slow legacy settlement cycles
Programmable treasury, routing, and payout workflows
Improved visibility across payment and settlement stages
Core Product Capabilities

Financial Building Blocks for Modern Payment Products

Accounts

Create and manage multi-currency account infrastructure for collections, operational funding, and treasury workflows.

Collections

Receive inbound payments through virtual accounts and programmable routing logic.

Payouts

Initiate and track payout instructions with lifecycle visibility and backend controls.

Wallets

Manage MPC-secured wallets, blockchain addresses, and digital asset transaction execution.

Cards

Support virtual card issuance and card-based payment functionality within the same platform.

Transaction Intelligence

Access balances, transaction history, status updates, and operational records across fiat and digital workflows.

Technology Architecture

Built for Scalable Financial Operations

Our architecture is designed to separate application logic, payment execution, and settlement security, enabling scalable global payment workflows with stronger operational control.

Layer 1

Application Layer

Fintech apps, remittance products, merchant systems, and treasury platforms connect through unified APIs and backend orchestration.

Layer 2

Payment Orchestration Layer

A high-speed execution layer manages payins, payouts, account flows, transaction state, routing, and business workflow logic.

Layer 3

Settlement & Security Layer

MPC-secured wallet infrastructure and stablecoin settlement channels support secure authorization, digital asset operations, and auditable transaction execution.

Structural Innovation

1Integration of fiat account infrastructure and stablecoin settlement channels
2Separation of execution and settlement responsibilities
3MPC-secured transaction authorization layer
4API-first financial building blocks for programmable workflows
5Multi-layer architecture for speed, control, and scalability
6Interoperability between traditional payment operations and digital settlement networks
Use Cases

Infrastructure for Fintech, Remittance, Treasury, and Embedded Finance

Fintech Platforms

Launch programmable account, payout, wallet, and treasury features with one backend integration layer.

Cross-Border Remittance

Support faster remittance workflows through fiat collections, stablecoin settlement, and payout orchestration.

Enterprise Treasury

Enable treasury routing, fund movement, and programmable settlement operations with better speed and visibility.

Merchant Collections

Use virtual accounts and API-driven workflows to streamline collections and reconciliation.

Wallet-Enabled Payment Products

Build customer-facing financial applications with balances, wallets, transaction history, and payment functionality.

Embedded Finance Infrastructure

Power financial functions inside third-party products through programmable APIs and backend orchestration.

Developer APIs

API Building Blocks for Modern Payment Products

Expose payment, wallet, settlement, and card operations through a unified API layer for faster integration and backend automation.

POST

Create Virtual Account

Provision collection accounts and route incoming payment flows.

POST

Initiate Payin

Start and track incoming funding workflows across supported channels and currencies.

POST

Send Payout

Execute payout instructions with transaction status tracking and backend control.

POST

Create Wallet

Generate MPC-secured wallets and blockchain address infrastructure.

POST

Trigger Stablecoin Settlement

Support programmable digital settlement workflows for faster global value transfer.

GET

Get Balances

Retrieve account, wallet, and asset balances in real time.

GET

Transaction History

Access full payment, wallet, and settlement records through unified APIs.

POST

Issue Virtual Card

Create and manage virtual card products for approved users and business spending.

Built for Operational Control

The platform is designed to support structured backend workflows including account creation, wallet mapping, transaction status tracking, reconciliation, API orchestration, and auditable operational processes for sensitive payment environments.

Current Platform Buildout

We are currently integrating multi-currency virtual accounts, payin and payout workflows, virtual card capabilities, and MPC-secured wallet infrastructure into a unified backend platform for global instant payment operations.

Building from the UK

We are building from the UK to develop next-generation financial infrastructure that connects fiat payment operations with programmable stablecoin settlement for faster global payment workflows.

Build Faster Global Payment Workflows with Fiat and Stablecoin Infrastructure

From virtual accounts and global payouts to MPC wallets, stablecoin settlement, and virtual cards, we provide the backend infrastructure for modern payment products and financial platforms.