OUR MISSION & ORIGIN
REDEFINING CAPITAL FOR
AN AUTONOMOUS WORLD
We founded Smart Banking on an uncompromising thesis: money shouldn't take three
business days to clear, cross-border wires shouldn't lose 3% to opaque intermediaries, and
modern tech leaders shouldn't run billion-dollar treasuries on legacy 1980s core mainframes.
2021
Founded in San Francisco
$120M
Series B Capital Raised
14
Regulated Jurisdictions
48
Direct Settlement Hubs
OUR PHILOSOPHY
The conviction behind our code.
⚡
Programmable Liquidity
Money should be as flexible as pure software. Our ledger rails allow
companies to write smart conditions: automate tax splits, route yields,
and stream global vendor disbursements without manual intervention.
✦
Zero-Knowledge Solvency
Traditional banks operate on trust and delayed quarterly reports.
We prove cryptographic 1:1 reserve solvency in real time on a public
verifiable ledger, keeping customer assets entirely segregated.
🌐
Border-Agnostic by Architecture
Built from day zero to connect directly with global real-time settlement rails without regional latency.
🛡
Institutional-Grade Resilience
Multi-datacenter replication with automatic quantum-safe failovers and hardware security modules.
THE ARCHITECTS
Built by veteran engineers and financial minds.
Marcus Vance
CO-FOUNDER & CEO
Former VP of Treasury Tech at Goldman
Sachs. Led core multi-asset settlements.
ex-Goldman Sachs · Stanford MS
Elena Rostova
CO-FOUNDER & CTO
Principal engineer behind ultra-low latency
clearing nodes at Stripe and DeepMind.
ex-Stripe · MIT CSAIL
Devon Walker
CHIEF RISK & COMPLIANCE
Architected sovereign banking regulatory
frameworks across UK FCA and EU ECB.
ex-Bank of England · Oxford
REGULATORY COMPLIANCE & ACCREDITATIONS
SOC 2 Type II Certified
ISO/IEC 27001 Security
PCI-DSS Level 1 Compliant
FinCEN MSB Registration
Build the future of capital with us.
Whether you are managing institutional treasury or building programmatic financial applications.
Global developer docs & sandbox access are open 24/7.
OUR MISSION & ORIGIN
REDEFINING CAPITAL
FOR AN AUTONOMOUS
WORLD
We founded Smart Banking on an uncompromising
thesis: money shouldn't take 3 days to clear,
cross-border wires shouldn't lose 3% to opaque
intermediaries, and tech leaders shouldn't run
billion-dollar treasuries on legacy 1980s mainframes.
Explore Careers
Whitepaper ↗
2021
Founded in SF
$120M
Series B Raised
14
Regulated Jurisdictions
48
Direct Settlement Hubs
OUR PHILOSOPHY
The conviction behind
our code.
⚡
Programmable Liquidity
Money should be software. Our rails let firms
write smart rules: auto-split tax, route yields,
and stream payouts with zero manual steps.
Explore SDK architecture →
✦
Zero-Knowledge Solvency
Traditional banks operate on blind trust.
We prove cryptographic 1:1 reserve solvency
in real time on a publicly verifiable ledger.
View real-time proofs →
🌐
Border-Agnostic Architecture
Built from day zero to connect directly with global real-time settlement rails without regional latency.
🛡
Institutional-Grade Resilience
Multi-datacenter replication with automatic quantum-safe failovers and hardware security modules.
THE ARCHITECTS
Built by veteran engineers
& financial minds.
Marcus Vance
CO-FOUNDER & CEO
Former VP of Treasury Tech at Goldman
Sachs. Led core multi-asset settlements.
ex-Goldman Sachs · Stanford MS
Elena Rostova
CO-FOUNDER & CTO
Principal engineer behind ultra-low latency
clearing nodes at Stripe and DeepMind.
ex-Stripe · MIT CSAIL
Devon Walker
CHIEF RISK & COMPLIANCE
Architected sovereign banking regulatory
frameworks across UK FCA and EU ECB.
ex-Bank of England · Oxford
REGULATORY ACCREDITATIONS
SOC 2 Type II Certified
ISO/IEC 27001 Security Standard
PCI-DSS Level 1 Compliant
FinCEN MSB Registration
Build the future of
capital with us.
Managing institutional treasury or programmatic apps.
Join the Network
Developer docs & sandbox open 24/7.