Don’t wait to be let in. Own your banking.

Accounts, payments, private payouts and tokens: the stack banks spent decades building. Under your brand, installed like software with one API key. Every movement lands on a ledger you own.

Early access: now onboarding founding design partners.

One API call takes your first payment.

  • ERC-20
  • EIP-191
  • Stripe Connect
  • Plaid

One ledger. Not five vendors.

Banks keep accounts, payments, issuance and records on systems you never see. Cat3na puts them on one record you control, so nothing needs reconciling twice.

  1. Get paid

    Take card and ACH payments under your brand, settling into the same ledger.

  2. Pay out

    Pay staff, suppliers and contractors on-chain with every amount sealed from public view.

  3. Hold

    Every balance and entry sits on one ledger you can prove, period by period, from a link.

  4. Issue

    Create and manage your own token from your wallet, with no code and no deployer in the middle.

  5. Trade

    Follow a trader inside a budget you set, from the same account as your treasury.

Your name
on the door.

Offer accounts, payments and payouts to your customers as your own. Cat3na stays behind the counter.

  1. Brand it

    Every client gets their own logo, colours, team roles and pricing. Your customers see you, not us.

  2. Switch on what you sell

    Get paid, treasury, private payouts, tokens and trading. Offer one or all of them on one ledger.

  3. Ship with one key

    Create a key and make the first call. A card form for your site and signed webhooks come with it.

Get paid.
Under your name.

Give each client a merchant account with its own logo, colours and team. Card and ACH payments land in their ledger automatically.

Runs on Stripe Connect. Payout banks are verified by Plaid.

Create a hosted checkoutREST
POST /api/v1/checkout_sessions
Authorization: Bearer c3_test_…

{
  "amount": 8500,
  "description": "Order 1042",
  "success_url": "https://…/paid",
  "cancel_url": "https://…/cart"
}

→ 201 { "url": "https://…" }

  • Your brand on every touchpoint

    Checkout, invoices, receipts and payment links carry the client's logo and colours, not ours.

  • Verified payouts

    Payouts go to a bank verified through Plaid. We use the bank token once and never store it.

  • Sell anywhere

    Use hosted checkout, payment links with QR codes, a WooCommerce plugin, in-person card readers or our developer API.

  • A team, with roles

    Invite owners, finance, developers and cashiers, so each person sees only what their role needs.

Pay anyone.
Show no one.

Pay people on-chain and you publish their salaries. Aroko seals every amount before it leaves your ledger, then proves it arrived.

Private payouts, powered by

Private payouts run in sandbox. The API and workspace open to design partners first.

Four ways to pay on-chain.
Only one is private and compliant.

The cryptography exists. Shipping it means owning keys, proofs and an auditor path. Aroko ships all three.

  • Exposed

    Stay on public rails.

    Easy to run. Every amount broadcast, to everyone, forever.

  • Anonymous

    Privacy coins and mixers.

    Amounts sealed, counterparties anonymous. Compliance says no, and so does your CFO.

  • You build it

    Build it yourself on FHE.

    Powerful math. Now it is your math.

    What you’d own
    • Encrypt every amount client-side and generate input proofs
    • Grant and track decryption permissions per address
    • Integrate a relayer and key management
    • Authorize operators with expiries
    • Run two-phase redemption: burn now, finalize later
    • Build the KYC gate
    • Issue receipts
    • Build a disclosure path for auditors
  • Sealed

    Sealed to the crowd. Open to the law. One call.

  • Sealed amounts

    Payroll, suppliers and contractors are paid on public rails. The crowd sees delivery, never the number.

  • .nota receipts

    Every payment returns a signed receipt that proves it landed, without showing the amount.

  • Confidential, not anonymous

    Every sender and receiver holds a KYC passport. Auditors open any amount on lawful request.

  • Back to dollars, 1:1

    Payees keep their own wallets and redeem sealed balances to stablecoins.

Books that prove themselves.

Every entry is hash-chained: each one seals the one before it. Change a single line and the chain breaks where anyone can see it.

  • Hash-chained ledger

    Each entry carries a SHA-256 fingerprint of itself plus the previous entry, so edits can't hide.

  • Evidence packets

    Bundle verified bank data and on-chain balances into one PDF a reviewer can rely on.

  • Scoped share links

    Give an auditor or lender view-only access to chosen accounts, with an expiry date. Revoke the link at any time.

  • Audit trail

    See who viewed, exported or changed what and when, and export it as a PDF.

Issue a token.
Keep the keys.

Create, send, vest and pay out your own token without writing code. Your wallet signs every step, so the token stays yours.

  • Create and manage

    Set the name, supply and rules, then mint, pause, freeze an account or limit transfers to approved holders.

  • Send to many

    Pay up to 300 wallets in one transaction, and longer lists are split for you.

  • Vest on a schedule

    Lock tokens for a person on a schedule with a cliff (nothing unlocks before a set date). Once funded, it can't be revoked.

  • Pay out to holders

    Pay USDC or any token to holders pro rata (by share of balance), up to 5,000 at once.

Your wallet signs. Cat3na never holds your keys.

Runs on testnets first. The contracts are not yet independently audited.

Tokens may be securities. Cat3na is software, not legal, tax or offering advice.

Follow a trader.
Inside your limits.

Pick a prediction-market trader by their record on the venue itself. Set what they can spend. Pause or stop whenever you like.

Trading involves risk, including loss of the full budget.

  1. Real records

    Each trader's results come from the venue's own published figures, not from our marketing.

  2. Hard limits

    Set a budget, a cap on any single position and a daily loss limit that stops copying for the day.

  3. Three modes

    Copy automatically, approve each trade first, or get alerts only, with nothing placed for you.

  4. Your wallet, a narrow key

    Trades run on a session key you authorise (a limited, revocable permission) that can only place orders.

Built to be checked.
Not just trusted.

We’d rather show you the architecture than a badge. Here is what we hold, what we never touch, and what’s still ahead.

  • No keys on our side

    Your wallet signs every token action, and we record only what we've verified on-chain.

  • Tamper-evident books

    The hash-chained ledger exposes any edit, and you can check the chain yourself.

  • Secrets stay sealed

    Webhook secrets are encrypted at rest with AES-GCM, and every outbound event is signed with HMAC-SHA256.

  • Least access

    Roles decide who can see, export or move anything, and share links are view-only and expire.

Your keys, your bank token and your customers’ cards never reach us.

What we hold

  • Ledger entries
  • Encrypted webhook secrets
  • Audit events

What we never hold

  • Private keys
  • The Plaid access token
  • Card numbers

  • Banks serve the asset. We serve the owner.

  • One record, not a stack of logins.

  • Proof you can hand to anyone, by link.

In the product today

SHA-256
Hash-chained ledger
HMAC-SHA256
Signed webhooks
AES-GCM
Secrets at rest
EIP-191
Wallet signatures
ERC-20
Token contracts, testnet first
Stripe Connect
Card data stays with Stripe
Plaid
Verified payout banks
ERC-7984 · FHE
Sealed payouts, in sandbox

SOC 2 and ISO 27001 are on our roadmap. We are not certified today.

Your banking.
One request away.

Banking was built to keep people out. Accounts closed without a reason. Vendors stacked six deep. A year to launch.

We think the people who own the assets should own the banking.

So we made it software. Switch it on. Keep the ledger. Sign with your own keys.

Early access: now onboarding founding design partners.