Simulation only Phase 1 pilot No real money · No live Plaid KYC

Nothing here moves real funds. Builder keys (bk_sim_…), provider keys, wallet signatures, USDC transfers, fiat delivery, and verification stamps are all simulated. Auction → sandbox stamp → payment instructions → two-leg USDC settlement → 5 bps fee ledger. Browser demo works offline; Hosted API / Local API call FastAPI when deployed (see backend/DEPLOY.md). CEO: confirm HOSTED_API_BASE_URL in js/config.js is live before partner demos.

Interactive demo · simulation

Lowest bid wins.

Builders queue payments (API modes need a simulated builder key), verified providers compete, the match issues USDC payment instructions. Platform take is fixed at 5 bps — accrued on match, collected on the (simulated) USDC transfer, recognized on settle.

API mode: register a builder once, queue with bk_sim_…, complete the sandbox verification stamp, then bid / match as usual.

Mode

Open queue

Settling now

0 completed

Fees accrued (5 bps)

0.00

collected 0.00

Fees recognized

0.00

refunded 0.00

Submitting agent

Queue a payment

Simulation queue — no live rails, no real settlement.

Rail

Simulated rail fields for demo routing — not live network connectivity.

Amount

Currency

From country

To country

Payee (rail fields)

KYC fields (form simulation only — not live identity checks)

Correlation ID (agent reference)

Callback URL (simulated webhook)

Liquidity provider

Onboard & bid

Simulated onboarding: demo API keys, simulated admin approval, simulated wallet signatures. No real wallets or custody.

Act as provider

Open marketplace queue

Payment	Correlation	Corridor	Amount	Stamp	Best bid	Action

Settlement — payments in flight

Two-leg flow (simulated): match issues USDC payment instructions → agent sends USDC (principal to the bank's registry-verified address, fee to the platform wallet) → bank delivers fiat → settled. Failures after the USDC leg become disputes, resolved by an admin refund.

Nothing settling. Run the auction on an open payment to get USDC payment instructions.

Fee ledger & completed payments

All-in = bank bid + 5 bps platform take. Fee accrued at match, collected on the simulated USDC transfer, recognized at settled, refunded on dispute.

No completed payments yet. Bid, run the auction, then walk the settlement steps.

Agent confirmation log

Simulated webhooks to the submitting agent (closes the confirmation loop).

Confirmations appear as payments are queued, matched, funded, and settled.