Coinbax adds a programmable trust layer to stablecoin payments, giving banks and fintechs real‑time compliance, fraud screening, and multi‑party controls before settlement. The platform locks funds, runs automated KYC/AML and risk checks, and allows conditional escrow, time‑locked holds, and reversible windows so transactions can be released or recalled based on predefined rules.
Funding
Funding not disclosed
Founders
Product
Problem
Institutions face regulatory, fraud, and irreversibility risks when using stablecoins for payments, as transactions settle instantly on blockchain and cannot be recalled, making compliance and risk control difficult.
Solution
Coinbax provides a programmable trust layer that sits atop stablecoin and tokenized deposit networks, adding real-time compliance, fraud screening, and multi‑party controls to each payment. Users initiate a transfer through their wallet, then the platform locks the funds and runs automated KYC, AML, sanctions checks, and risk scoring. Conditional rules such as time‑based escrow, multi‑signature approval, and reversible windows allow funds to be held, released, or recalled based on delivery confirmation or fraud detection. Once all programmed conditions are satisfied, the settlement occurs instantly on the underlying blockchain. The system integrates with existing custody, wallet, and stablecoin providers, delivering audit‑ready transaction records and API access for seamless incorporation into banks, credit unions, processors, and fintech platforms.
Target Audience
Primary customers are banks, credit unions, payment processors, and fintech firms that need to adopt stablecoin settlement while maintaining regulatory compliance and transaction control.
Features
- Programmable escrow and time‑locked holds for conditional fund release
- Built‑in reversibility windows that enable recall of funds before final settlement
- Real‑time compliance checks (KYC, AML, sanctions screening) executed automatically
- Multi‑party approval workflows for high‑value or sensitive transactions
- Risk scoring engine with customizable thresholds for institutional policies
- Immutable audit trail and compliance documentation for regulatory reporting
- Integration connectors for major stablecoin issuers (e.g., USDC) and custody providers
- API and SDK support for embedding controls into existing payment stacks