Built on FedNow real-time settlement

The end of the
swipe tax.

{{BRAND}} is a new payment network with near-zero transaction fees, real-time settlement, and a {{metal}} plated card that finally looks like the money it moves. It is built to put Visa and Stripe out of business.

Join the Waitlist See How It Works
{{BRAND}}-01 A {{metal}} plated {{BRAND}} payment card lit by a single light on black
{{BRAND}}-01 · Card · {{SPEC}} plate · single-source studio light Hardware
~0%
Transaction fee, not 2.9% + 30¢
<1 sec
Settlement over FedNow RTGS
24/7
Real-time, every day, no batch cycles
The Problem

Visa and Stripe were built for a world without real-time rails.

Every card swipe still routes through decades-old interchange, which takes 1–3.5% plus fixed fees off every transaction and days to actually settle. {{BRAND}} moves money the way FedNow moves money: directly, instantly, for a fraction of a cent.

Visa / Stripe

Card-present fee~1.5–2.6%
Card-not-present fee2.9% + 30¢
Settlement time1–3 days
ACH settlement1–3 business days
RailLegacy interchange / batch ACH

{{BRAND}}

Transaction feeNear 0%
Network feeFlat, transparent
Settlement time< 1 second
vs. ACH~250,000× faster
RailFedNow RTGS

Stripe's ACH product still settles on 1–3 day banking cycles because ACH is a batch system. FedNow is not a batch system. It is real-time gross settlement, transaction by transaction, 24/7/365, with finality in seconds. That is the rail {{BRAND}} is built on, and it is a different rail entirely rather than a faster version of the old one.

1
Tap or Swipe

The customer pays with a {{BRAND}} card, tap-to-pay, or the {{BRAND}} badge at checkout.

→
2
Direct Bank Rail

The payment routes over FedNow real-time gross settlement with no card network in between.

→
3
Instant Settlement

The merchant is paid in under a second, and the funds are final with no holds and no batching.

→
4
Near-Zero Fee

A flat network fee replaces interchange at a fraction of what Visa and Stripe take.

The Card

{{Metal}} plated. Instantly recognizable.

Every {{BRAND}} card is finished in real {{metal}} plating, a physical signal that the account behind it settles differently than everything else in your wallet.

{{BRAND}}-01 / Edge Macro of the machined {{metal}} plated edge of the {{BRAND}} card
Machined chamfer · brushed {{SPEC}} · macro Detail
✓
{{Metal}} plated finish

A heavyweight metal card, {{metal}} plated edge to edge, built to be felt and not just tapped.

✓
Tap, chip, or QR

It works everywhere a card works today, whether by contactless, chip, or a {{BRAND}} QR code at checkout.

✓
Linked straight to your bank

There is no pooled custodial float, because {{BRAND}} settles account to account over FedNow in real time.

✓
Zero foreign, zero hidden fees

You pay one flat network fee with no interchange, no assessment fees, and no surprise line items.

For Merchants

One badge. Every register.

The {{BRAND}} badge tells customers that a lower-fee, instant-settlement option is on the counter, whether it sits on the register, the check holder, or the door.

{{BRAND}}
Register Decal

A single sticker at checkout signals {{BRAND}} acceptance, and QR-based acceptance needs no new terminal.

{{BRAND}}
Check Holder Insert

Restaurants slip the {{BRAND}} badge into the check presenter so guests pay tableside and settle instantly.

{{BRAND}}
Storefront Window Cling

Customers know before they walk in that {{BRAND}} is accepted and that near-zero fees are passed back to you.

{{BRAND}}-02 / Reader The {{BRAND}} card resting on a compact black {{BRAND}} card reader
{{BRAND}}-02 · Counter reader · anodized black · one orange key Optional
01

Keep the margin

Interchange is often a merchant's largest line-item cost after payroll, and {{BRAND}} gives that margin back.

02

Get paid same-second

There is no more waiting on ACH batches or card network settlement windows, because funds move the moment the sale closes.

03

No new hardware

You can accept {{BRAND}} with a QR code and your existing counter setup, or add a {{BRAND}} reader when you are ready.

Get Early Access

Be first to carry {{BRAND}}.

Join the waitlist for early cardholder and merchant access before Visa and Stripe notice.

Concept only. No accounts, deposits or financial products are offered. Do not send money.

No spam. You will get one email when {{BRAND}} opens up.