Programmable escrow for instant stablecoin payments
Smart contracts add safety, reversibility, and compliance
Instant settlement without sacrificing control or trust
Instant settlement is powerful — but it removes the safety net that financial institutions and businesses rely on. Once funds move, they're gone.
Coinbax restores that layer of trust. We add programmable rules to any transaction — holding, releasing, or reversing funds automatically using smart contracts.
Smart contracts automatically hold and release funds based on predefined conditions — like delivery confirmation or time windows.
Catch fraud or errors before they're permanent. Set time windows for transaction review and automated rollback.
Automated sanctions screening, KYC verification, and risk checks — all executed before settlement.
User initiates transaction by connecting wallet and specifying recipient address and amount.
Verify identity using Authy or Google Authenticator for additional security.
Real-time screening via Sardine, TRM, and Chainalysis for compliance and risk assessment.
Comprehensive risk assessment based on transaction patterns.
Both parties validate wallet addresses to ensure accuracy.
Funds are released instantly once all conditions are met.
Each step is automated through smart contracts — programmable code that executes escrow logic without manual intervention.
Coinbax helps financial institutions lead the shift to programmable money — without losing control or customer relationships.
Reduce costs tied to wires, reconciliation, and manual review
How: Automated escrow and compliance checks eliminate manual exception handling, while instant settlement reduces reconciliation overhead by 80%+.
Launch fee-based services around programmable payments
How: Offer escrow services, instant funding, and conditional payments as premium features. Monetize services that were previously too expensive to deliver.
Use your preferred custody and stablecoin partners
How: Coinbax is a control layer that sits on top of your existing infrastructure — we integrate with any wallet, custody provider, or stablecoin network.
Move funds instantly between accounts or to suppliers — 24/7, no cutoff times. Faster than ACH, cheaper than wires, with built-in fraud protection.
Automatically release funds when conditions are met — delivery confirmed, milestones reached, or time windows satisfied. Ideal for trade, real estate, and construction.
Enable same-day funding, instant refunds, and embedded payouts — all with full visibility and programmable control.
Regularly meeting with partners and teams in New York City.
Join us at Fintech NerdCon for high-quality networking with fintech operators and builders. Connect with leading product managers, engineers, and risk professionals shaping the future of payments.
Learn More About Fintech NerdCon →Coinbax is building the trust layer for stablecoin and tokenized deposit payments.
Led by fintech, banking, and blockchain veterans, our platform bridges traditional finance and programmable money through smart contracts that add safety, control, and compliance to every transaction.
We partner with banks, credit unions, processors, and fintechs — not to replace them, but to help them lead the next generation of payment infrastructure.
Coinbax works with your wallets, custody partners, and stablecoin networks to make programmable payments safer for everyone.
Founder & CEO
20+ years in fintech as co-founder of Geezeo (acquired by Jack Henry). Led fintech, payments, and crypto strategy at Jack Henry.
Chief Technology Officer
Founder & Former CEO of regulated digital asset platform serving banks and credit unions. TradFi + DeFi + AI expertise.
Fintech Operations Leader
Investor, COO of recent payroll fintech exit and former Chief People Officer at Jack Henry (JKHY).
Blockchain Legal Expert
CEO at Surus, former General Counsel at Bitcoin foundation and advisory roles at IMF and NY Fed.
Crypto Forward Banker
Chief Innovations Officer at FirstBank and digital asset advisor with 30+ years in banking.
Product & Marketing Innovator
Chief Marketing Officer at Autobooks, leading go-to-market and product strategy that helps financial institutions better serve small business customers.
Whether you'd like early access as a design partner, explore a strategic partnership or integration, or just stay in the loop as a potential client — we'd love to hear from you.
Drop us a note and we'll be in touch.