03 — FinTech Infrastructure
U.S. Payments & SaaS.
A payments and reconciliation platform for multi-location and franchise operators. Direct integration with ACH, Fedwire, and major card networks — with U.S. compliance built in.
Platform
Capabilities.
U.S.-native rails
Direct integration with ACH, Fedwire, and major card networks. Built and maintained inside the U.S. financial system — not routed through third-party PSPs.
Multi-location settlement
Single dashboard for chains running 5 to 500 locations. Per-store reconciliation, franchisee splits, and group-level reporting.
Compliance by default
PCI DSS, SOC 2, state-level money-transmitter compliance, and KYC/KYB workflows are part of the platform — not a checklist you have to chase.
Bank-grade security
Tokenization, encryption-at-rest, hardware security modules, and dual-control wire approval. Audit logs across every transaction.
Built for franchise economics
Automated royalty calculation, marketing-fund withholding, and franchisee payouts. End the spreadsheet era of franchise finance.
Open API + webhooks
First-class developer experience. RESTful API, webhook delivery, sandbox keys, and version-pinned endpoints.
Built for
Who uses it.
Restaurant chains
Centralize card-present and online ordering revenue across 50+ stores. Auto-reconcile against POS, settle to franchisees nightly.
Bubble-tea & beverage franchises
Franchise royalty automation, gift-card liability tracking, and group-level cash-flow analytics.
Cross-border operators
Sweep U.S.-denominated revenue to parent entity accounts with compliant FX and treasury workflows.
Want a sandbox?
We’ll spin up a tenant for your finance and engineering teams and walk through a live integration.