LoaditOS makes USD do everything crypto promised — programmable conditions, public verification, instant settlement, sovereign identity — without a blockchain, a gas fee, or a card network.
Working code, running in private alpha. Try it now at /loadit.
Send real USD with conditions attached — time-locks, manual signoffs, expiries. Backed by Increase + Grasshopper Bank. ACH, RTP, FedNow.
Every state change appended to a single sha256 chain. Anyone can verify any transfer's full history at /api/loadit/verify/[hash]. No login. No node to run.
The conditions engine. Idempotent, replayable, formally specifiable. Every transfer is a tiny program the engine executes when conditions pass.
Email-style addressing. @anna instead of 0x7f3a... or a routing/account combo. Resolves like DNS. Works across the entire Hylaq ecosystem.
Every transfer has a 24-hour cancellation window. Built into the protocol — not a feature, a guarantee. Hacks don't kill grandma.
Server-side allowlist ensures only approved accounts can use the system. Two-layer defense: client UI gate + every API route checks the allowlist.
The full LoaditOS vision. Each block is a primitive that — alone — could be a $1B+ company.
Increase production approval. Plaid integration replaces raw account input. Real USD moving on FedNow / RTP between real bank accounts.
Quantified trust as a number. Every commitment fulfilled compounds. Sybil-resistant. The substrate underneath every other LoaditOS primitive.
Anyone with reputation can issue their own USD-denominated currency, backed by reserves + reputation + future income. Every individual becomes a Fed of their own micro-economy.
Contracts that execute upon verified death. Inheritance. Last-testament reveals. Forgiveness deliveries. Multi-source biometric + registry quorum. Cryptographically tamper-evident in advance.
The protocol is open. Other banks can run conforming nodes. @handles port across operators with full history intact. No single shut-down switch.
Beyond time-lock and signoff: write any custom condition. Deterministic, gas-equivalent resource limits. Programmability without a chain.
Binding private arbitration between handles. AI + precedent-graph adjudication. Disputes that take months in legal systems resolve in minutes on protocol.
Every personal currency tradeable against every other. Programmable USD ↔ EUR ↔ SGD ↔ @handle.coin. AMM with TWAP and anti-MEV by design.
We don't compete with Cash App, Stripe, or Bitcoin. We're the layer underneath all of them.
| Capability | Cash App | Stripe | Bitcoin | LoaditOS |
|---|---|---|---|---|
| Programmable conditions (escrow, milestones, signoffs) | No | No | Yes | Yes |
| Public cryptographic verification | No | No | Yes | Yes |
| Real USD (no volatility) | Yes | Yes | No | Yes |
| Real bank-rail settlement | Partial | Yes | No | Yes |
| Settlement speed | Seconds | Days/instant tier | ~10 min | <5s |
| Per-transfer cost | 1.5–3% | 2.9% + 30¢ | $3–30 gas | ~$0.50 |
| Reversibility / dispute window | Limited | Chargeback hell | No | 24h built-in |
| Open API / composable infrastructure | No | Limited | Yes | Yes |
| Identity portability | No | N/A | Yes (keys) | Yes (@handles, federated) |
| Compliant by design (KYC/AML) | Yes | Yes | No | Yes |
Stripe didn't try to be PayPal — they built the API every payment app runs on. LoaditOS is doing that for programmable money. Cash App and Stripe are customers of this category, not competitors.
USD denominated. Settled at regulated banks. No 30% drawdowns. No tax events per transfer. No seed phrases.
Conditions, escrow, milestones, refunds — all native. Plus a 24h reversal window so hacks don't kill grandma.
Every state change on a public hash chain. Anyone audits any transfer. No node to run, no chain to sync.
Live demo of the working system, walkthrough of the roadmap, deep technical dive — pick what you want. 30 minutes.
Operated by Loadit. Sponsor bank rails via Increase. Private alpha — production rails Q2 2026.