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Welcome to a new world of payments
We connect traditional financial systems with decentralised networks, enabling instant settlement, global reach, and logic-driven transactions without the middleware glue.
Pay
From tap to settled. In a day.
Hold near reader
Cardholder
Pay
Live transactionCardholder taps to pay
iPhone or physical card on a Roots reader
Detected
Merchant receives confirmation
Sale approved instantly, payment transferred automatically
Approved
Acquirer starts payout
Stablecoin auto-converted to local currency
Routing
Bank account receives funds
Local currency, settled within one business day
Settled
$24.99
Hold card or phone to reader
$24.99
Approved
Merchant
Tap in store, settle to a bank account within one business day.
01 / Resolve
Names, not addresses.
Send money the same way you send a message, to a name, not a string of characters. CIMS identifiers are human-readable, institution-scoped, and resolve entirely on-chain. No raw wallet addresses means no clipboard hijacking, no address poisoning attacks, no copy-paste mistakes. A payment experience that feels familiar, built on infrastructure that is fully programmable.
Each identifier encodes the rail, the issuing institution, and an account reference. Resolution requires no off-chain lookup. Everything settles directly on-chain.
02 / Verify
Institutions set the rules.
Compliance is sovereign to each institution. Whether they operate under a full KYC framework, a lighter-touch model, or a different regulatory regime entirely, CIMS enforces whatever policy they configure. Bilateral trust governs who can transact with whom, at what limits, and under what conditions. No central operator can override it.
Institutions configure permitted counterparties, transaction limits, and fraud hold durations independently. All rules are enforced by the smart contract. Compliance integration is optional and fully institution-driven.
03 / Settle
Final when it says final.
Settlement is cryptographically enforced, not promised. Every transfer carries a finality window during which institutions can halt or reverse, meeting the cancellation requirements of regulated payment systems. Once the window closes, the transfer is irreversible. No reconciliation lag, no nostro float, no correspondent bank in the middle.
Every transfer is created as an on-chain intent with a governed finality window. The timestamp is set at creation and cannot be changed unilaterally. Settlement is enforced by contract, not by trust.
CIMS / Routing Layer
Institutional identity and messaging for onchain finance.
Resolve
Verify
Settle
Who it's for
Launch a programmable card product without building the rails.
Skip years of correspondent banking relationships, card scheme negotiations, and compliance infrastructure. The Roots App gives your users a card they can actually spend. Roots Pay handles NFC acceptance. CIMS handles routing, identity, and settlement. You focus on the product experience. We handle everything underneath it.
NFC acceptance on day one. On-chain settlement. No correspondent bank.
Accept the next generation of payments at your merchant estate.
Roots Pay integrates directly into your existing terminal estate. Your merchants accept tap-to-pay alongside every card scheme you already support. Funds reach the merchant the same day, with no correspondent bank in the middle.
Same-day settlement. Works alongside existing card rails. No FX spread.
Build cross-border payment products on a programmable rail.
CIMS gives your product a global identity layer and a settlement network that works across institutions. Build remittance flows, B2B treasury products, or multi-currency wallets on a rail designed to be integrated. Roots Pay gives your end users a physical acceptance point anywhere in the world.
Programmable compliance. Bilateral trust. No address poisoning.
Interoperate with the next generation of payment networks.
CIMS is the bridge between your existing infrastructure and the onchain world. Maintain your own compliance posture, set your own counterparty policies, and settle with other institutions directly. No central operator. No reconciliation lag. No nostro float.
Sovereign compliance. On-chain finality. Regulated-grade cancellation windows.
Capabilities
Everything you need to build onchain finance.
Sub-second finality
Settlement is cryptographically enforced, not promised. Transactions reach finality in under a second.
On-chain identity
No raw wallet addresses. Every identifier maps to a verified person at a verified institution.
Bilateral compliance
Institutions configure their own rules. Transact only with counterparties that meet your regulatory standards.
NFC infrastructure
Tap-to-pay acceptance out of the box. Works alongside existing card schemes on standard merchant terminals.
Same-day settlement
Funds reach the merchant's bank account the same day, without a correspondent bank in the middle.
No address poisoning
Human-readable identifiers eliminate clipboard hijacking and copy-paste mistakes entirely.
Ready to build?
Join the network and start building the next generation of financial products.