The trust layer for stablecoin payments
What
Programmable escrow for instant stablecoin payments
How
Smart contracts add safety, reversibility, and compliance
Why
Instant settlement without sacrificing control or trust
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.
Learn about programmable escrow →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.
2FA confirmation and initial funding lock.
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.
See Real Payment Flows →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.
Explore Templates →Automatically release funds when conditions are met — delivery confirmed, milestones reached, or time windows satisfied. Ideal for trade, real estate, and construction.
Explore Templates →Enable same-day funding, instant refunds, and embedded payouts — all with full visibility and programmable control.
Explore Templates →New York City and other cities around the globe.
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.