One batch.
Two reconciled sides.
A close you can sign.
Every posting has two sides that cannot drift apart. In issuing it's the authorization side against the settlement side; in acquiring it's the merchant leg against the scheme leg. The cycle closes, and pays, only when every open item reconciles. Net is a derived sum, never a mutable scalar. Running today, pre-GA: every close signs, and any day replays to the same book.
Pre-GA · taking design partners — see what runs today
Money movement on every rail
From a PIN on a keypad to a pacs.008 on the wire. Every rail posts to one ledger, and reconciles before the day closes.
SPEI and FedNow run today. Visa · Mastercard · Amex in scheme certification; ACH · RTP built. Pix · SEPA Instant · UPI on the roadmap.
Issuing · auth ↔ settlement
authorization holds reconcile to
the cleared, posted settlement
Acquiring · merchant ↔ scheme
merchant capture reconciles to
the network settlement · pacs.002
Fail-closed close gate
closes only when both reconcile
bad items carry forward, never absorbed
Signed & replayable
a signed daily attestation
deterministic across a 540-day tail
Late truth reconciles
a corrected later event drives
Exception → Matched → Reconciled · no touch
Every delta is a posting
tips · partial capture · DCC · surcharge
fee true-up, never a mutated scalar
illustrative · two legs from one batch, matched item-by-item, signed at close