Move money instantly.
Never lose control.
Policy controls for FedNow, RTP, stablecoins, and tokenized deposits. Set your approvals, limits, liquidity rules, and holds once, and every payment checks them before it’s final, even at 2 a.m. on a Sunday.
Interactive — approve each control layer, then release or recall
Policy controls for every modern payment
FedNow, RTP, and stablecoins move fast and settle for good. Coinbax puts your institution's rules, approvals, and recourse in front of every payment, so speed never outruns control.
Programmable Escrow
Hold a payment until your conditions are met: approvals, time windows, or delivery confirmation. On bank rails the funds stay in your GL. On chain they sit in an audited escrow contract.
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 →Every Rail, One Control Layer
Run the same controls on FedNow, RTP, stablecoins, and tokenized deposits. Add a rail later without standing up a second control system.
Every Rail, One Control Layer →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 holds catch fraud before a payment is final, on rails where nothing comes back once it has been sent.
Built-in Reversibility →Auditable by Design
Every decision on every rail lands in one tamper-evident trail for reconciliation, reporting, and examination.
Auditable by Design →Adopt in stages. Stay in control at every one.
Turn on instant payments
Start sending on FedNow and RTP with the liquidity, limit, and fraud controls your team sets.
Add stablecoins
Accept stablecoin deposits and offer stablecoin payments on the same controls.
Lead on tokenized deposits
Bring tokenized deposits onto the same control layer when you’re ready.
Four Phases.
Every Payment.
Every Rail.
Every payment runs through the four enforced phases of the Coinbax Execution Framework: Verify, Fund, Confirm, and Settle.
Controls run at each phase on every rail, and every outcome is recorded for examination.
Phase 1 – Verify
Pre-escrowSanctions screening, KYC, and account and limit checks run before anything moves. Payments that fail stop here.
Phase 2 – Fund
Post-escrowFunds are set aside under your rules: in your GL on FedNow and RTP, or in an audited escrow contract on chain.
Phase 3 – Confirm
Pre-releaseApprovals, review windows, and liquidity checks get a final pass. This is the last point a payment can be stopped.
Phase 4 – Settle
Post-releaseThe payment goes out on its rail, and every decision lands in one audit trail.
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 provides policy controls for modern payments: approvals, limits, liquidity rules, holds, and screening for FedNow, RTP, stablecoins, and tokenized deposits.
Coinbax sits between your core or payment hub and the rail. Every payment passes through four phases (Verify, Fund, Confirm, Settle), and your controls decide whether it goes out.
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.
FedNow and RTP through your core or payment hub. Stablecoins on Base and Ethereum, with Solana in progress. Tokenized deposits run on the same control layer.
One set of controls and one audit trail across every rail, so adding a rail doesn’t mean adding a control system.