Move money instantly.
Never lose control.
Stablecoin and tokenized deposit settlement with the approvals, limits, and reversibility your institution already expects from payments. Adopt digital dollars on your terms.
Interactive — approve each control layer, then release or recall
Programmable controls for every modern payment
Modern instant payment rails settle in seconds but lack the safety and reversal of traditional payment rails. Coinbax injects the rules, approvals, and recourse on the transaction that makes the speed safe for a regulated institution.
Programmable Escrow
Hold funds on-chain and release them on conditions you define: delivery confirmation, time windows, or multi-party approval. Money moves only when the rules are met.
Programmable Escrow →Conditional Controls
Attach time delays, 2FA, SMS confirmation, and approval steps to any payment. Compose them into the exact workflow your policies require.
Conditional Controls →Multi-Chain Settlement
Move USDC, USDG, and other regulated stablecoins across Base, Solana, and Ethereum through one integration. Settled in seconds, not days.
Multi-Chain Settlement →Real-Time Compliance
Sanctions screening, KYC, and risk scoring run before settlement. Every payment is checked before it clears, and every check is recorded.
Real-Time Compliance →Built-in Reversibility
Review windows and rollback triggers catch fraud while it can still be undone. Recourse that raw stablecoin rails cannot offer.
Built-in Reversibility →Auditable by Design
Every action is recorded on-chain and off. A complete, tamper-evident trail for reconciliation, reporting, and examination.
Auditable by Design →Adopt in stages. Stay in control at every one.
Modernize settlement
Move your institution’s own flows to stablecoin rails with full controls: cross-border, B2B, vendor payments.
Launch customer products
Offer digital-dollar payments to commercial and retail customers on infrastructure you govern, not infrastructure that routes around you.
Lead on programmable deposits
As money becomes programmable, be the institution your customers already trust to hold it. Coinbax supports tokenized deposits on the same control layer.
Four Phases
Inside Every
Contract
Every payment runs through the four enforced phases of the Coinbax Execution Framework: Verify, Fund, Confirm, and Settle.
Controls execute at each phase, on-chain, and every outcome is recorded for examination.
Phase 1 – Verify
Pre-escrowSanctions screening, KYC, and risk scoring run before a single dollar moves. Payments that fail never reach the contract.
Phase 2 – Fund
Post-escrowFunds lock into programmable escrow on-chain. Held under the contract’s rules, visible to every party, controlled by none.
Phase 3 – Confirm
Pre-releaseReview windows, multi-party approvals, and rollback triggers get their final check. Fraud is caught while it can still be reversed.
Phase 4 – Settle
Post-releaseThe contract releases funds and records the result. Settlement is instant, final, and fully auditable end to end.
The programmable payments playbook
Working patterns for programmable payments: escrow structures, approval flows, and reversibility designs your team can adapt.
Instant Wire Alternative
24/7 Stablecoin TransferReplace traditional wire transfers with instant stablecoin settlement.
Cross-Border Payments
SWIFT AlternativeCross-border wallet-to-wallet payments via stablecoin rails.
Delayed Payment for Fraud Review
Hold Period Before SettlementBrief hold period for fraud review before final settlement.
Multi-Party Authorization
Multiple Approvals RequiredRequire multiple approvers for high-value transactions.
Trade Finance Escrow
Hold Funds Until DeliveryPay drivers upon delivery with escrow protection.
Marketplace Payouts
One Payment In, Multiple OutOne payment in, multiple compliant payouts out.
Real Estate Closing
Mortgage ClosingEscrow funds until all closing conditions are met.
Milestone Funding
Construction Loan DrawMilestone-based funding with inspection verification.
Instant Loan Funding
Loan Origination FundingAuto-release on approval or return if declined.
Instant Wallet Deposit
For Gaming, Betting & Digital PlatformsInstant wallet funding with compliance checks.
Secure Withdrawals
Platform WithdrawalsProcess withdrawals with fraud screening.
Event-Triggered Payouts
Parametric InsuranceAuto-payout triggered by verifiable events.
Fast Claim Payments
Insurance Claim PayoutAdjuster-approved claim disbursement.
Automated Vendor Payments
AP AutomationAutomated vendor payments with approval workflows.
Intercompany Transfer
Move Funds Between EntitiesMove funds between subsidiaries with audit trail.
Benefit Disbursement
Government & Aid PaymentsDistribute benefits with identity verification.
Stay ahead of the shift.
The moves, milestones, and regulatory shifts redefining modern payments, tracked as they happen.
Works With Your Stack
Coinbax works with Circle, Paxos, Jack Henry, and the custody and compliance stack your institution already runs. No rip-and-replace.
Questions
Coinbax builds payment controls for programmable money: programmable escrow, multi-party approvals, spend limits, reversibility, and policy enforcement for stablecoin and tokenized deposit payments.
Coinbax is a control layer that integrates with existing banking infrastructure via risk-controlled, reversible smart contracts, adding institutional-grade controls to stablecoin transactions.
Banks, credit unions, fintechs, and enterprises that need institutional controls. Coinbax is accessible to 7,400+ community institutions through its Jack Henry integration and is built with design partners including Finex Credit Union.
Coinbax joins the Jack Henry Fintech Integration Network, connecting with SilverLake via jXchange and Symitar via SymXchange core platforms.
Coinbax is building on Base and Solana, supporting USDC, USDG, RLUSD, and PYUSD, with planned expansion to additional chains.
Coinbax focuses on control and recourse rather than speed alone: programmable approvals, spend limits, and reversible transactions, backed by SOC 2 attestation and independently audited smart contracts.