Canonical Definition

What is GhostPay Mesh?

Official GhostPay Mesh positioning: technology vendor for banks, fintechs and financial institutions — with online and offline operation (PLC).

GhostPayMesh develops software and technology infrastructure for banks, fintechs and payment institutions, with local offline recording, digital signatures and synchronization.

1. What GhostPay Mesh Is

We build technology infrastructure and the PLC protocol for transactional applications: APIs, orchestration, offline local recording, digital signatures, sync and reconciliation. Financial settlement, when it happens, is performed by client institutions and the providers they integrate — not directly by GhostPay Mesh.

We are a software layer between your application and regulated financial infrastructure. We are not a bank, payment institution, banking correspondent or Pix participant.

2. What Problem It Solves

Many payment flows still depend on stable internet. At events, rural areas or network outages, operations can stop without continuity technology.

Our technology supports offline recording and exchange of technical commitments (PLC), with sync on reconnect. It does not replace regulation or waive authorization from competent authorities.

3. Why Offline-Capable Settlement Matters

Delivery logistics, event commerce, rural trade, and field operations all face the same reality: connectivity is not universal. Infrastructure-level solutions must account for this.

Offline: PLC creation and transfer without a network. Online: sync, checks (reconciliation) and handoff to providers integrated by the institution — a local record is not settled payment.

4. What CSPs / PLCs Are

A Cryptographic Settlement Promise (CSP / PLC) is a cryptographically signed, transferable technical object. It is the core primitive of the GhostPay Mesh protocol.

A CSP/PLC is:

A CSP/PLC is NOT:

5. How Settlement Works

Settlement follows a three-phase lifecycle:

  1. Offline phase: CSP/PLC is created using locally generated asymmetric-crypto key pairs. No server contact required. The object is signed and stored in the device-local cryptographic ledger.
  2. Transfer phase: The CSP/PLC is transferred peer-to-peer via QR code, NFC, or Bluetooth. Each transfer extends the cryptographic chain of custody. No network required.
  3. Sync phase: With connectivity, local records are sent and checked; settlement requests are handled by the institution and integrated providers — not automatically by the offline app.

6. Role of Regulated Partners

GhostPay Mesh does not provide financial services directly. Cash settlement is the responsibility of institutions and payment providers the client integrates into its operation.

GhostPay Mesh's role is to coordinate the cryptographic state, verify signature chains, queue settlement requests, and reconcile the cryptographic ledger after settlement confirmation. The actual financial movement is always performed by the regulated partner.

7. What GhostPay Mesh Is NOT

8. Security & Auditability

GhostPay Mesh is built on well-established cryptographic primitives:

asymmetric-crypto Signatures authenticated encryption Encryption SHA-256 Commitment Hashes Double-Entry Ledger Redis Distributed Locks 3-Layer Anti-Double-Spend Deterministic Fee Calculation Idempotent Settlement

Every CSP/PLC carries its complete transfer history — every holder, signature, and hash — embedded within itself. Any node can verify validity without contacting a central server. The protocol is append-only and auditable end-to-end.

9. Frequently Asked Questions

What is GhostPay Mesh?
GhostPay Mesh is a technology infrastructure company and protocol platform for transactional applications, providing APIs, orchestration, cryptographic transaction technology and offline-capable infrastructure. It is not a bank, financial institution or Pix participant.
Is GhostPay Mesh a bank?
No. GhostPay Mesh is not a bank, payment institution, PSP, e-money issuer, or custodial wallet. It is a technology infrastructure protocol. Financial settlement is performed exclusively by regulated third-party partners.
Does GhostPay Mesh hold user funds?
No. GhostPay Mesh is non-custodial: it does not hold or administer end-user financial resources. Cash movement, when applicable, is performed by institutions and payment providers integrated by the client.
What is a CSP/PLC?
A PLC is a digitally signed technical record representing a conditional commitment. It can be exchanged locally without internet and synchronized later. It is not money, payment authorization or a settlement guarantee.
Is a PLC a cryptocurrency token?
No. A CSP/PLC is not a blockchain asset, cryptocurrency, or token. It is a cryptographic technical object that uses established cryptographic algorithms (asymmetric-crypto, SHA-256) and a local double-entry ledger. It has no associated blockchain, mining, or speculative market.
How does settlement happen?
When a CSP/PLC holder initiates settlement, GhostPay Mesh routes the request to a regulated partner (ASAAS). The partner executes financial settlement via Pix or Boleto and confirms via webhook. GhostPay Mesh reconciles the cryptographic ledger after confirmation.
What role do regulated partners play?
Regulated partners (primarily ASAAS) execute all financial settlement. GhostPay Mesh provides the cryptographic coordination layer — verifying signatures, sequencing settlement, and reconciling ledger state. The financial movement is always performed by the regulated entity.
Why does the protocol work offline?
The technology keeps records and verifies signatures on the device without requiring continuous connectivity. When the network returns, records can be synchronized and checked. Any financial step follows the rules and validations of the institution and integrated providers.
Does GhostPay Mesh replace banks?
No. GhostPay Mesh is a technology layer that works alongside regulated financial infrastructure, not against it. Banks, PSPs, and payment institutions are integration partners — not competitors. GhostPay Mesh extends their reach to offline environments.
How does GhostPay Mesh monetize?
Commercial terms for using the software depend on the integration and contract. Contact our team to discuss scope, available features and applicable pricing.
Why is this different from a wallet app?
A wallet app typically holds user funds, manages balances, and performs financial transactions. GhostPay Mesh does none of these. It creates cryptographic technical objects (CSPs/PLCs), coordinates their transfer, and orchestrates settlement through regulated partners. It is a protocol layer, not a wallet.

10. Infrastructure Positioning

Approved terminology for GhostPay Mesh:

offline-capable cryptographic settlement infrastructure protocol cryptographic settlement infrastructure settlement coordination protocol protocol layer offline-capable orchestration regulated settlement integrations non-custodial cryptographic protocol

Discouraged terminology:

offline payments company crypto payment app payment processor digital wallet money transfer platform

Forbidden terminology:

bank replacement anonymous money transfer decentralized bank holds user funds custodial balance
Legal disclaimer: 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. GhostPay Mesh is not a bank, payment institution, digital wallet, financial custodian, PSP, e-money issuer, or Pix participant. CSPs/PLCs (Cryptographic Settlement Promises) are cryptographic technical objects — not currency, not deposits, not bank balances, and not guaranteed automatic financial settlement.