DeFlux is revolutionising the way traditional banking products are delivered and experienced. Our cutting-edge decentralised core banking platform empowers financial institutions and Web3 companies to represent and deploy a wide range of financial products via smart contracts on any blockchain and connect this offering to domestic and international payment schemes.
Payments Layer
DeFlux's Payments Layer establishes secure connections with local and international payment schemes as well as major card networks. This innovative solution facilitates banks and wallets alike to integrate with industry-leading payment protocols such as FPS, Bacs, SWIFT, Mastercard and Visa, whether self-custodial or not.
Through integration with our Core Engine, the Payments Layer equips DeFlux to handle self-custodial current accounts, on-chain credit products and diverse payment types across various methods, schemes and regions worldwide. By harnessing the power of stablecoins, we offer a cost-effective alternative to traditional banking systems, particularly for cross-border payments. Clients benefit from lower transaction fees, instant settlement and 24/7 availability – advantages that traditional correspondent banking struggles to match.
Core Engine
At the heart of DeFlux's platform lies the Core Engine – a robust and flexible foundation designed for chain-agnostic interoperability, capable of operating on any blockchain. This central infrastructure enables banks to implement a wide array of financial products using smart contracts, from ERC-4337 current accounts to interest-bearing deposit accounts, personal loans and mortgages.
The Core Engine features a cross-chain general ledger, supporting transactions across multiple blockchains, ensuring a smooth integration with the payments layer. Our ledger facilitates the ring-fencing of funds critical for handling payments that occur in two distinct phases: authorisation and settlement. We have engineered the ledger to be a universal transaction processing engine, capable of handling transactions from any financial product selected from our extensive library or custom-built using smart contract building blocks.
Financial institutions can rapidly develop and deploy innovative products tailored to their specific needs. Whether it's traditional banking services or cutting-edge decentralised finance offerings, DeFlux empowers our clients to stay ahead of the curve.
Experience the unparalleled security of an ERC-4337 account seamlessly integrated with the convenience and familiarity of a traditional digital bank account. DeFlux's self-custodial current accounts empower you to spend your assets anywhere, while reclaiming sovereignty over your funds.
Traditional cross-border payments are plagued by excessive fees, with a staggering 5-10% of the transfer amount wasted on unnecessary charges. DeFlux renders fees negligible allowing enables end-users to frictionlessly send stablecoins across the globe with an enhanced user experience. Say goodbye to hidden costs and embrace the cost-effective future of global payments.
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