Money that carries logic — conditions, milestones, escrow, refunds — settled on FedNow, RTP, and ACH in seconds. No blockchain. No gas. No volatility. Every state change verifiable by anyone.
Crypto won the philosophical argument. We keep the wins, drop the tax.
FedNow + RTP + ACH via Increase. Settles in seconds for cents — not minutes for dollars in gas.
Every state change appended to a public sha256 chain. Anyone can verify any transfer with no account.
Time-locks, milestones, manual signoff, refunds, expiries. Same superpower as smart contracts, no chain.
24h reversal window on every transfer. Hacks don't kill grandma. Disputes resolve.
Anyone can audit that a transfer happened. Amounts and counterparties stay private by default.
No one bank holds your float. If a partner freezes, your funds move within 24h.
From compose to settled, end-to-end.
Pick a recipient, amount, conditions (time-lock, signoff). Set expiry.
ACH debit pulls funds from your linked bank into Loadit's holding account.
Engine evaluates conditions every minute. State changes hash-chain.
When all conditions pass, RTP / FedNow fires to recipient's bank in seconds.
Real USD. Real bank rails. Conditions enforced by the engine.