Phase 1 · Live2024–2025
Protocol & B2C
- Offline-first PLC / CSP
- Mobile SDKs and REST APIs
- Ledger and webhooks
We build software for banks, fintechs and payment institutions to keep local records without internet access. The PLC protocol digitally signs these records so they can be synchronized when connectivity returns. Institutions and their providers execute the payments.
For developersWe provide APIs and software to record operations, connect systems and check data. Your institution integrates the technology into its services, subject to available features and operational rules.
Without connectivity, the technology records and exchanges technical commitments. On reconnection, it synchronizes and checks the records. Institutions and their providers handle payment services.
Build transactional products without rebuilding the infrastructure layer.
REST APIs and OpenAPI for PLC lifecycle and integrations.
Webhooks, state coordination, retries and reconciliation.
Connectivity to licensed PSPs for settlement rails.
QR, NFC and BLE cryptographic transfer without internet.
Cryptographic Settlement Promises — signed and syncable.
Ed25519, HMAC webhooks, ledger and audit trails.
GhostPay Mesh provides technology infrastructure and software orchestration. Availability and execution of regulated financial services depend on integrated third-party providers and applicable jurisdictional requirements.
A coordinated network of capabilities — from transactional core to offline continuity.
Online: orchestration and APIs. Offline: PLC protocol and local exchange — never treat a technical record as Pix or a completed payment.
PLC is a technical/cryptographic object — not currency, deposit or offline Pix. Financial settlement, when applicable, occurs via regulated partners.
When the internet fails, the offline layer maintains continuity — and syncs on reconnect.
Providers, APIs and reconciliation operating normally.
Without internet: PLC, QR, NFC and BLE keep local recording and exchange — they do not automatically move money.
On reconnect, records are sent and checked (reconciliation) before triggering providers when applicable.
From your product to final state — visually, without a whitepaper.
Integrate once with GhostPayMesh — do not rebuild orchestration for every provider.
Outages, crowded events and remote regions still break flows that depend on always-on connectivity.
We help institutions keep recording and exchanging technical commitments (PLC) offline, with sync and data checks when connectivity returns.
Create PLC technical commitments on-device — with digital signatures to help verify authenticity. This is not settled payment or financial authorization.
Exchange technical PLC records using QR, NFC or Bluetooth, depending on the integration. This local exchange does not itself move money.
When connectivity returns, local records are sent to the system. Settlement or payment instruction, when applicable, is handled by the institution and integrated regulated providers — not by the offline record itself.
Every settlement commitment is secured by industry-proven cryptographic algorithms — the same standards used in high-security communications and distributed ledger systems.
AEAD encryption for payload confidentiality and integrity.
Digital signatures help verify the authenticity and integrity of records.
Device-based keys support local signature and verification mechanisms.
Cryptographic validation of technical commitment integrity and authenticity.
Festivals, field work and emergencies: our technology supports transactional record continuity; settlement follows institution rules.
Support local records at events where connectivity is limited or overloaded.
Keep local records in remote areas and synchronize when connectivity returns.
Support local technical records during connectivity disruptions, subject to the integration’s limits.
Reduce dependence on continuous connectivity for recording operations.
Docs and APIs to integrate ledger, orchestration, offline PLC and reconciliation into your stack.
Full-featured HTTP API with comprehensive documentation.
Documented SDKs and libraries for mobile and web integration.
Complete cryptographic protocol specification.
Guides, references, and integration examples.
// Create a Cryptographic Settlement Promise (CSP/PLC) offline const plc = await ghostpay.createPLC({ amount: 50.00, currency: 'USD', recipient: 'recipient_pubkey_hex', offlineFirst: true, }); // Transfer PLC via QR code (offline, peer-to-peer) const qr = await plc.toQR(); // Synchronizes and triggers settlement via regulated partner when online plc.onSettle((receipt) => { console.log(`PLC settled via partner: ${receipt.id}`); });
A clear path from protocol to open network.
From B2C launch to enterprise scale, each phase delivers real value and prepares the next.
Real-time view of what's live, in progress, and on the roadmap.
We build trust through openness, auditability, and privacy by design.
Real-time protocol health and uptime monitoring.
Traceable records to support verification and reconciliation.
Data protection considered in the design of the technology.
Cryptographic protections and transactional security mechanisms designed for infrastructure workloads.
Understand what we do, what works offline and the role of your institution.
No. We develop technology and software infrastructure for institutions. Financial and payment services are delivered by clients and the providers they contract.
No. PLCs are technical/cryptographic objects — signed settlement promises. They are not deposits, bank balances or offline Pix.
Offline: PLCs (signed technical records) can be created and transferred without internet. On reconnect, sync sends records; any financial movement depends on the institution and integrated providers — a local record is not authorized or settled payment.
Fintechs, marketplaces, ERPs and enterprise products that need transactional orchestration, APIs and offline continuity — without rebuilding infrastructure from scratch.
Our team reviews and publishes answers. Pending questions remain private.
We build software and infrastructure. Payments, accounts, custody of funds and settlement are provided by institutions and providers our clients integrate.
View full positioningDiscuss APIs, local offline records, synchronization and data reconciliation for your institution’s systems.
Integrate the protocol that coordinates value when everything else fails.
Have a question, proposal, or want to integrate? Fill out the form and our team will respond.