Build wallets, business accounts and cross-border corridors on U:RAIL — with compliance, netting, reconciliation and proof built in.
Atomic ledger, policies, netting, reconciliation and proof — one API under every product.
Explore the platform →Receive, invoice, split, reserve, exchange, pay and prove — a programmable B2B account.
See Business →Connect a collection bank, an issuer and a settlement bank into one payment system.
See corridors →Applications and participants talk to one API. Everything underneath — the ledger, policies, netting, reconciliation and proof — is Core's job, not yours.
Apps call the public API; banks, issuers and LPs connect through versioned, signed adapters. Simulator and production adapters share one contract.
Intent → policy → holds → one balanced, atomic journal. State machines separate AUTHORIZED, CAPTURED, GUARANTEED and SETTLED — no ambiguity about finality.
Obligations net per cycle; payouts confirm; balances reconcile against external books; every state and root is provable and anchored.
Every committed transaction balances per asset; corrections are compensating entries. The journal is append-only and rebuildable.
Sanctions, address, velocity and limits screen the whole route pre-settlement; a blocked payment never reaches the ledger.
Generic issuance authority with backing evidence and ceilings — no application can create supply by patching a balance.
Merchant and participant netting are independent, reproducible layers over the immutable gross ledger; payout confirmation closes liability.
Bank, issuer, LP and custody books reconcile to the ledger; every difference is an exception with an owner and SLA, never silently zeroed.
Transaction receipts, inclusion and reserve proofs, and daily roots blockchain-confirmed on Universa.
Keep custody, licences and the customer relationship; connect collection or payout and let Core run the lifecycle. U:RAIL can be invisible or “Powered by”.
Mint, redeem and prove reserves through one issuance workflow, with supply reconciled to the ledger.
Ship a digital-asset product on a ready ledger — deposits, invoices, splits, payouts, treasury and proof — via public API.
Escrowed tasks, splits and x402 machine payments on the same settlement core.
U:RAIL orchestrates compliance and proof; it does not replace licences, custody or issuers. Every component states its own status.
Screening runs before value moves and is recorded with a verdict; the responsibility matrix stays with the licensed parties.
Reserves proven on demand where an issuer/custodian provides evidence — with the methodology and any exceptions stated.
Hash-chained event log verified from genesis; daily roots confirmed on Universa. Balances rebuild from history.
Clear boundaries and scoped kill switches by tenant, asset, participant and route.
Every first-party product — Business and the Nigeria corridor — runs through the same documented, versioned API. If it works for them, it works for you.
Partners keep custody, licences and the customer relationship; U:RAIL runs the programmable lifecycle between their books. Start in the sandbox today.