Building the Infrastructurefor Real-Time Digital Moneyand Trusted Digital Identity.

iPayed™ is developing a proprietary, patented, financial technology ecosystem combining real-time payments, digital identity and bank-grade transaction infrastructure.

Real-TimePayments

Reusable DigitalIdentity

Nationally ScalableBanking Platform

iPayed ID® digital identity displayed on a smartphone with a connected network globe

iPayed™ is a financial technology company pursuing regulatory approvals to establish iPayed™ eBank N.A., a proposed national bank. Deposit and payment services are not currently being offered and remain subject to applicable regulatory approvals.

The Dual Platform

iPayed ID®

Trusted Digital Identity
Identity Verification
Authentication
QR Identity
Age & Attribute Verification
Business & Government Use Cases

iPayed™ Payments

Real-Time Movement of Money
Consumer Payments
Business Payments
P2P
Government Payments
Closed-Loop Payments
Open-Loop Interoperability

Identity authenticates the person. The payment system moves the money.

FINANCIAL ACCESS

Broader Access to the Digital Economy.

iPayed™ is being developed to expand access to banking, real-time digital payments, and trusted digital identity across the financial spectrum—including for people who are unbanked, underbanked, or still rely heavily on cash and nonbank financial services.

Cash-to-Digital Access

Designed to help cash-reliant consumers convert physical cash into secure, regulated digital money at no cost.

Direct Payments

Designed to support wages, government benefits, refunds, and other incoming payments.

Everyday Money Movement

Designed for real-time, 24/7 purchases, bills, transfers, and other everyday payment needs.

Patented Architecture

U.S. Patent No. 10,630,572 B1

iPayed™ patented technology enables real-time and near real-time transaction processing with closed-loop efficiency and open-loop reach.

Reduces cost and complexity
Delivers speed, transparency and control

The patented architecture described and claimed herein enables real-time and near real-time transactions with both closed-loop efficiency and open-loop reach.– U.S. Patent No. 10,630,572 B1

Patent documentation:
U.S. Patent No. 10,630,572 B1

Building Within the U.S. Banking System

OCC National Bank Charter

Regulatory process underway

FDIC Deposit Insurance

Subject to approval

Federal Reserve Master Account

Contemplated following applicable approvals