Transform Bank Transfers into Smart, Self-Executing Agreements
Enable your customers to create conditional payments that execute automatically when their specified conditions are met. Give them control while you provide the trust—all on your existing rails.
From Customer Request to Completed Payment
Watch how your customer creates a conditional payment, sets their own rules, and lets the payment execute automatically when conditions are met.
You ask for a professional hair dryer with constraints. The assistant lists eligible shops to contact.
Step 1 of 10
Everyone Sees the Same Truth
The PayNote is a shared Blue Document where all participants—payer, payee, bank, and any third parties—see the same rules, same state, and same evidence. No disputes, no confusion, just transparent execution.
PayNote Document
Payer (Your Customer)
Payee (Recipient)
Bank (You)
Third Parties (Validators)
AI Agents (Optional)
Document Events Your Bank Processes
Authorize Payment
Customer approves
Specify Payee
Recipient confirmed
Specify Amount
Final amount set
Release Payment
Conditions met
Cancel Authorization
Customer cancels
Split Payment
Multi-party disbursement
Example Use Cases
AI-Powered Procurement
Your business customers' AI agents can safely purchase within boundaries
Set spending limits, require specific vendors, demand delivery proof—the AI negotiates while the PayNote enforces the rules. Perfect for automated supply chain management.
Complex B2B Agreements
Turn any business agreement into executable code
Multi-party approvals, invoice matching, service verification—conditions that would take days of emails execute instantly. Your customers close deals faster.
Construction Milestone Payments
Release funds as work progresses, automatically
Site survey complete? 20% released. Foundation poured? Next 30%. No more site visits, photo disputes, or held payments. DHL, inspectors, and contractors all update the same document.
International Trade Finance
Simplify the most complex payments
Payment releases when: customs cleared + goods inspected + documents verified. Split automatically between freight forwarders, brokers, and suppliers. One PayNote replaces 20 documents.
Smart Payroll & Treasury
Conditional disbursements at scale
Bonus payments when KPIs are met. Vendor payments on delivery confirmation. Employee reimbursements with receipt validation. Batch processing with individual conditions.
M&A and Escrow Replacement
Complex holdbacks made simple
Time-based releases, earn-out calculations, indemnity reserves—all self-executing. No escrow agent fees, no manual calculations, just deterministic execution.
Why Banks Love This
Create New Revenue Streams
"Conditional Payment Assurance" - Your newest fee line
Charge 2-3x standard wire fees for guaranteed conditional execution. Customers gladly pay for automation and certainty. Early adopters seeing $30-50 per PayNote vs $15 standard wire.
Use Your Existing Infrastructure
Your rails, your rules, your systems
ACH, SEPA, SWIFT, RTP—all work exactly as before. PayNotes are just smart control logic on top. No new ledger, no new settlement, no integration headaches.
Slash Operational Costs
Kill the PDF-email-phone tag nightmare
80% reduction in payment disputes. 90% fewer customer service calls. Zero manual verification. Evidence is cryptographic, verifiable, and arrives automatically.
Ship Features Your Customers Actually Want
Developer-friendly, fully portable
PayNotes are Blue documents that run identically anywhere. No vendor lock-in. Your developers can extend and customize. Open source examples included.
Bank-Grade Security Built In
Every action is signed, attributed, and auditable
Actor Policy enforcement, role-based permissions, device signatures—enterprise security from day one. Full audit trail with hash-chained timeline for regulators.
Differentiate Without Risk
Offer escrow-like services without escrow complexity
Become the trusted intermediary for complex transactions. Use the systems you trust, add the intelligence your customers need.
Legal & Compliance
KYC/AML Unchanged
You still know every customer and screen every counterparty
PayNotes don't alter identity requirements. Same onboarding, same verification, same monitoring. We add logic, not new compliance burden.
Money Moves on Your Rails
Wires, ACH, SEPA, RTP remain your settlement layer
No new payment networks, no e-money regulations, no custody requirements. PayNotes orchestrate; your existing systems execute.
Authority & Signatures Preserved
Board approvals, multi-sig, device binding all captured
Every authorization is an event. Role-based operations map to your existing authorities. Full attribution for every action.
Complete Regulatory Export
Hash-chained timeline with optional VC signatures
Export the complete audit trail in regulator-friendly formats. Every decision, every trigger, every execution—immutable and verifiable.
Why Not Blockchain? Why Not Classical?
Classical System
(Email, PDFs, Manual Escrow)
Hidden and Slow
No Guarantees
Blockchain
Heavy and Public
Regulatory Misalignment
Bank Transfer PayNotes
(Blue Protocol)
Smart and Private
Your Rails, Enhanced
Risk, Liability & Controls
Smart Actor Policy Framework
Business authority mapped to operations
CFO authorizes amounts. Treasury specifies payees. Both must approve for release. Every role, every permission, cryptographically enforced.
Clear Liability Model
Same as today's wires, but smarter
Bank executes per PayNote rules. Guarantor ensures compliance. Timeline shows exactly why each decision was made. No ambiguity, no disputes.
Enterprise Security at Every Step
Multi-factor, multi-device, multi-signature
Device signatures, OTP, SSO, hardware keys—all captured as events. Step-up authentication when needed. Complete attribution chain.
Automatic Safety Valves
Timeouts, expiry, and auto-reversion
PayNotes auto-expire if conditions aren't met. Funds revert to payer. No money in limbo. Clear time bounds on every agreement.
FAQ (For the Decision Maker)
Do we hold customer funds?
No. PayNotes are instruction contracts that tell you when to move money via your existing rails. No custody, no float, no new regulatory burden.
Do we need new licenses or approvals?
No. Your existing licenses cover everything. PayNotes are smart instructions, not a new payment method. KYC/AML and settlement unchanged.
Will we be locked into a platform?
No. PayNotes are Blue documents—open protocol that runs identically anywhere. Use our infrastructure, your infrastructure, or both. Zero lock-in.
How is customer data protected?
Complete privacy control. Evidence payloads can be encrypted. Timelines store only hashes. Selective disclosure for audits. You control what's visible.
What if conditions are disputed?
Cryptographic proof settles everything. Every condition has verifiable evidence. Every decision has an immutable record. Disputes resolve instantly with proof.
Can we start with just one use case?
Absolutely. Most banks start with construction payments or simple escrow. Expand to other use cases as you gain confidence. Full control over rollout pace.
Ready to Transform Bank Transfers?
Turn your existing rails into the smart payment infrastructure your customers need.
Your customers want conditional payments. Your competitors are exploring this. Be the first to deliver.