How it works
Our offline-first architecture keeps programmable money resilient without sacrificing settlement integrity.
Step 1
Integrate once
We provide an SDK for the bank’s mobile app and APIs at the Core Banking System (CBS) layer.
Step 2
Withdraw programmable balance
Customers securely download an offline-capable balance to their device for in-person use.
Step 3
Transact offline, verify later
Parties exchange signed payloads. If connectivity is absent, the transfer records are retained locally and queued for verification.
Step 4
Reconcile & settle
As soon as either party is online, our backend flags conflicts and checks for double-spend attempts. Ledger-level settlement occurs when the customer chooses to settle—analogous to depositing digital cash.