One bank for people, businesses and the agents that act for them
One account for everything you own
No hidden fees, on either account. Every charge is stated before you agree to it, and nothing is added afterwards.
A treasury that holds more than cash
Operating money for the payment run, stablecoins for settlement, tokenized gold and other real-world assets for the reserve — one account, one balance. Swap between them as the week demands, with two officers on anything above a ceiling.
Business accounts →Own gold and a tokenized share from the same account
Several currencies, stablecoins, gold and tokenized stocks in one place. Swap between them in a step, wherever you live — and move them to any wallet you control, because they are tokens you hold rather than a line in our database.
Personal accounts →One console. One approval device.
Cash, stablecoins and tokenized assets on one balance. The phone exists for one thing: the payment that stopped and needs a person.
to a new payee
Spend it, save it, earn on it
Virtual, debit and credit, all drawing on the same balance. A card that declines at the terminal rather than apologising on next month’s statement.
Spend
Tap a card in a shop, or pay ninety-six suppliers in a single run. Virtual, debit and credit sit on the same balance, so there is nothing to top up first.
Save
Money you are not using moves into treasury rooms you name yourself, and comes back the moment a payment needs it.
Earn
Idle cash is swept where it works instead of sitting flat, on a schedule you set — and every sweep lands in the ledger as a line you can read back.
Issued in a second. Dies on schedule.
Make a card in a second, for one supplier or one invoice. Set what it can spend and when it expires as you create it, so nobody has to remember to cancel it later.
VIRTUAL CARDS
VIRTUALSpends the balance. Never past the line.
Spend straight from your balance — no pre-funding, no moving money to a card account first. It works anywhere cards are taken, and every payment shows up as it happens, not the next morning.
OPERATINGDEBITA line your board already approved.
A company line with the spending rules built into the card. Give each person their own limit, and anything outside it waits for a second signature before the charge goes through — not after the statement lands.
APPROVALSto a new payee
Two people must sign it off
CREDITBuilt for institutions that keep their business private
Privacy here is a property of the rail, the hardware and the way the agents are built. It has been that way since the first line of code.
Privacy
A payment is proved to the two parties in it. Your balances, counterparties and timing stay in your own ledger.
Security
Every payment is checked against your limits before it leaves, and a large one waits for a named person to approve it on their own device.
Agents
An agent sees only the accounts you hand it and works inside the limits you set. Your records stay yours, and nothing trains on them.