Move it in minutes.
Collect USD, pay Southeast Asia. Every approved payout builds verified counterparties and settlement history.
USD → PHP · live on testnet
SplashSandboxMY-PH testnetStart sending
Corridor · TestnetUSD → PHP~400ms Solana settlement finalityEdge fee · Modeled0.33% all-in targetA target the route engine ranks against, not a quoted price.
Treasury · Approval-gatedUSDY postureVariable APY - T-bill-backed
Agent · Human-finalZeke deskZeke prepares. You approve.Network telemetry · Sandbox environment · No real money moves
Splash · Settlement network on Solana
Move money.Settle everything.
Send USD across Southeast Asia in minutes — starting with the Philippines
A compliance-gated B2B account network for cross-border money. Between the invoice and the settlement, Splash nets, yields, discounts, and escrows — with human approval on every action.
Compliance-gated ~400ms Solana settlement finality Human-approved AI
The productPayments are the feature.Treasury is the product.
Stripe and Airwallex move money. Splash runs everything between the invoice and the settlement — netting it, yielding it, discounting it, escrowing it.
Simulateddevnet-ready◆
MY to PHfirst corridor◆
~400msSolana settlement finality◆
Your vaultyour keys◆
0.33%all-in target◆
Human approvedAI recommendations◆
Stored proofA record that lasts◆
Simulateddevnet-ready◆
MY to PHfirst corridor◆
~400msSolana settlement finality◆
Your vaultyour keys◆
0.33%all-in target◆
Human approvedAI recommendations◆
Stored proofA record that lasts◆
The three loops
Move it. Grow it.Finance it.
Moving dollars on Solana is already fast and cheap — Splash's job is what the transfer alone can't do. Approve it properly. Prove it afterwards. Turn invoices into working capital.
Grow it while it waits.
Idle USD follows a projected, variable treasury posture. Your business approves every move.
Projected · variable · human-approved
Finance it — the moat.
Invoices would become working capital: your buyer funds early payment against a receivable both sides can verify.
Buyer-funded · no third-party lenderLearn moreWhere the fees live: the route engine ranks every corridor by what the supplier actually receives, and Kora pays the network fee. You never hold SOL.
Explore the Supply loopInfrastructure & Partners
Partners of record on the outside. Settlement and the record inside.
How it works
Five steps.No limbo.
Manual transfer branchNo invoice needed: recipient, bank details, amount, and purpose typed by hand, and checked against KYB before anything is signed.
Working-capital branchAccepted invoice to supplier discount offer to buyer approval to settlement proof.
Current checkpointInvoice or manual entry
01
Invoice in, or type it in
Two ways in: collect through a pay link or upload an accepted invoice — or start a manual transfer and fill in the recipient, bank details, amount, and purpose yourself.
Comparison
Built for business.Designed to move.
Splash makes internal account movement free, charges when value exits to local rails, and adds programmable settlement, approval-led AI, and private audit proof.
One testnet corridor. Modeled expansion routes.
USD in.Local out.
The MY-to-PH corridor is the proving ground. Additional routes stay modeled until partner, liquidity, and regulatory controls are ready market by market.
PHP testnetMYRIDRVNDTHBSGDEURGBP
Live-modelPayout
Deliver local currency to a verified recipient through the current payout rail.
Phase 2Sweep account
A Splash account that sweeps to the recipient's bank. It holds funds, which needs a money-broking licence Splash does not hold yet.
Phase 2Stored balance
Keep value inside the network where regulation and partner controls permit it.
| Feature | Bank | Broker | Wise | Splash |
|---|---|---|---|---|
| Settlement speed | 2-5 days | 1-3 days | 1-2 days | ~400ms Solana settlement finality |
| Starting fee | 3-5% | 2-4% | 0.5-1.5% | 0.33% all-in target |
| FX transparency | Hidden markup | Cash spread | Mid-market | Oracle-labeled quote |
| Atomic settlement | No | No | No | Yes |
| Batch payments | Limited | No | Limited | Native |
| AI treasury copilot | No | No | No | Zeke prepares. You approve. |
| Early payment on invoices | Manual factoring | No | No | Buyer-approved discount offer |
| Bilateral netting | Manual | No | No | Modeled in account loop |
| Permanent audit trail | Siloed records | Manual receipts | Platform history | Encrypted and kept |
| Recipient account ladder | Bank account only | Cash-out only | Wise account | Payout, sweep, stored balance |
| Yield on idle USD | 0.38% APY | 3.12% APY | 3.14% APY | 0.00% projected variable APY |
Reference yield benchmarkFDIC national savings - IBKR Pro cash - Wise USD Interest - Splash treasury projection · Yield is hygiene, not the headline — the working-capital loop is.
Trust · Four gates
Every payoutproves itself.
A payment on Splash cannot skip a checkpoint: verified before it's quoted, approved before it's signed, atomic when it settles, anchored after it lands.
KYB on both sides.
A payout only exists between verified businesses. Sumsub gates every counterparty before a quote is even prepared.
Sumsub KYB · wiredA person signs. Always.
Zeke prepares. You approve. No payout, batch, or treasury move executes without a human signature.
Maker-checker · human-finalAtomic or not at all.
The prepared payment completes exactly as approved — or stops safely before funds move. No partial states.
~400ms Solana settlement finalityEvidence outlives the payment.
Receipts and encrypted documents are written where they cannot be quietly changed — a record you can hand to an auditor.
Encrypted and recorded
Sandbox environment · Not yet a licensed money-services business · No real money moves
The platform
Everything between invoiceand settlement.
One approval-gated desk for liquidity, settlement, and treasury. Funding, payout, receivables, and treasury actions stay sandboxed until those rails are active.
Keep USD productive.
Keep payout inventory ready while treasury projections model how excess USD could remain productive.
Available cash - projected treasury
Funds cannot get stuck.
Every payment settles completely or not at all. It never lands halfway.
~400ms Solana settlement finality
Make cash work harder.
Zeke recommends a treasury posture. Your business approves every action; execution remains gated.
Simulation - human approval
MemWal remembers patternsAI proposes. Your team approves.
AI Copilot
Context that getsmore useful.
The copilot connects rates, invoices, batch habits, and treasury posture without storing PII, account numbers, transaction hashes, or raw dollar amounts in MemWal.
Move money better
Your global treasury,finally programmable.
Start with USD. Prove the MY-to-PH path. Expand only when controls and partners are ready.
