Universal Interoperability
One wallet, every network. Instantly settle across mobile money, banks, cards, and CBDCs without worrying about rails.
Now Live Globally
The Future of
The Future of
Intelligent Payments
Nexbit is the next-generation payments platform that connects everyone — instantly settle across networks, build with programmable money, and scale without limits.
- 99.99%
- Platform Uptime
- <200ms
- Average Latency
- 0.5%
- Transaction Fee
- 24/7
- Instant Settlement
Network Active
All Services Operational
Real-Time Transaction Monitor
Processing 1,247 TPS across 12 networks
Mobile Money Settlement
✓ Active
Multiple mobile money providers interconnected with instant settlement...
Programmable Wallets
✓ Active
Smart rules processing splits, escrow, and conditional payments...
Offline Transactions
✓ Active
Signed vouchers and mesh networking enabling payments without internet...
Cross-Border Hub
✓ Active
Instant FX and remittances across 42+ global corridors...
AI Fraud Engine
✓ Active
Real-time anomaly detection protecting 99.97% of transactions...
Built for the Next Billion Users
A complete payments infrastructure designed to work everywhere — online, offline, and everything in between.
Programmable Money
Native smart wallet rules for splits, escrow, subscriptions, royalties, and conditional payouts — no middleware required.
Offline-First Architecture
Secure offline transactions via signed vouchers and Bluetooth mesh with automatic reconciliation when connectivity returns.
Instant Liquidity
Automated liquidity pooling and float optimization ensure agents and merchants get paid instantly at the lowest cost.
Embedded Credit Intelligence
Real-time credit scoring from transaction telemetry enabling instant micro-loans at the point of sale.
AI Fraud Engine
Adaptive fraud detection with risk-based KYC to reduce false positives while maintaining platform security.
Cross-Border Hub
Instant FX with liquidity partners and API-first remittances that compete on speed and price across global corridors.
Open Ecosystem
SDKs for mobile, web, and IoT with plugin marketplace, sandbox testing, and low onboarding friction.
Privacy-First Design
Consent-driven data model with anonymization and selective disclosure to regulators without compromising users.
Built on Battle-Tested Infrastructure
Event-driven microservices designed for scale, resilience, and sub-200ms performance.
Multi-Channel Support
QR • NFC • USSD • SMS • Bluetooth
Real-Time Events
Webhooks • WebSockets • Server-Sent Events
Immutable Ledger
Cryptographic audit trails • Compliance ready
API-First Design
RESTful • GraphQL • gRPC • Comprehensive SDKs
Intelligent Control
Deploy on-premise • CBDC compatible
High Performance
10K+ TPS • Sub-second settlement
Powering Every Payment Use Case
From consumer apps to national infrastructure, Nexbit scales with your ambition.
Retail & E-Commerce
Point-of-sale integration, online checkout, subscription billing
Logistics & Delivery
Cash-on-delivery, driver payouts, multi-party settlements
Gig Economy
Instant payouts, split payments, commission handling
Global Remittances
Cross-border transfers, agent networks, FX optimization
Financial Services
Savings, lending, insurance, investment products
Government Services
Tax collection, social payments, utility billing
Nexbit v2.0 Intelligence Personas
Ten intelligent personas powered by AARAB v4.0 forming the complete programmable money fabric.
| # | Nexbit Persona | Core Layer / Feature | Primary User | Core Mission (2028) | Measured Performance (June 2028) | Signature Live Impact (2028) |
|---|---|---|---|---|---|---|
| 1 | Nexbit-Solara | Intelligent programmable digital money & ledger | Central banks, all citizens | One ledger for every unit – retail, wholesale, programmable, offline-capable, quantum-resistant | <180 ms finality · 100% traceability | First fully intelligent programmable digital money system worldwide |
| 2 | Pay-Orbit | Universal instant settlement intelligence | 68 million wallets, 2.4 M merchants | One QR/NFC/USSD pays everything – instant, low fee, works offline via mesh | 0.5% fee · <200 ms latency | Largest instant-payment fabric globally – 68 M active wallets |
| 3 | Program-Astraeon | Smart money rules engine | Developers, treasuries, payrolls | Split, escrow, subscription, conditional payouts in one line of code | <11 ms rule execution | First system where salaries pay daily, rent auto-deducts, taxes self-collect |
| 4 | Credit-Veritas | Instant intelligent credit scoring | Banks, lenders, merchants | Real-time loans from transaction graph alone – no collateral, no paperwork | <0.9 s decision · 0.4% default | $28 B+ in instant intelligent credit issued worldwide |
| 5 | Fraud-Guardian | Global AI fraud & AML intelligence | Regulators, all payment providers | Watches every transaction in real time – stops fraud, money laundering, deepfake payments | 99.999% detection | Financial crime down 96% – safest digital payments ecosystem globally |
| 6 | Offline-Orbit | Mesh & offline programmable money | Remote areas, disaster zones | Fully signed offline transactions via Bluetooth/LoRa – auto-reconciles when back online | Works 30 days offline | First money that works when all networks fail |
| 7 | FX-Solara | Instant cross-border & remittance hub | Global diaspora, importers, exporters | Real-time FX with zero spread across 42+ corridors – settles on independent rails | <1.1 s · 0% spread | $11 B remittances processed with minimal external fees |
| 8 | Vespera-Pay | Daily intelligent money brief | 68 million users | 06:30 intelligent voice/messaging brief: balance, best rates, savings tips | Delivered daily | Most opened morning financial message worldwide |
| 9 | Carbon-Pay | Programmable green money | Climate agencies, green funds | Auto-deducts carbon tax, pays for reforestation, routes green premiums – all on-chain | 100% verifiable | First intelligent carbon-backed currency unit launched |
| 10 | Nation-Pay | Single intelligent monetary control plane | Executive leadership, central banks | One screen for every unit, wallet, transaction, and policy rule globally | 100% real-time visibility | Leadership now controls live money supply on intelligent dashboard |
Core Integration Points
| Layer | Technology Stack | Independence & Security Level |
|---|---|---|
| Programmable money | Nexbit-Solara + Program-Astraeon | 100% on-chain rules · quantum-resistant · fully independent |
| Universal payments | Pay-Orbit + Offline-Orbit | Works on feature phones, offline, every payment type |
| Credit & fraud | Credit-Veritas + Fraud-Guardian | Zero external scoring · zero external AML vendor |
| Cross-border & green | FX-Solara + Carbon-Pay | Zero external gateways · zero external carbon registry |
| Intelligent control | Nation-Pay | One intelligent monetary dashboard · no external telemetry |
Built for Developers
Clean APIs, comprehensive documentation, and powerful SDKs that let you go from idea to production in hours, not weeks.
- RESTful & GraphQL APIs with OpenAPI specs
- SDKs for 8+ languages (Python, Node, Go, PHP, Java, Ruby, Swift, Kotlin)
- Sandbox environment with test data and webhooks
- Real-time monitoring with detailed logs and analytics
- Plugin marketplace for pre-built integrations
Quick Start Example
// Initialize Nexbit SDK
const nexbit = require('@arybit/nexbit-sdk');
const client = new nexbit.Client({
apiKey: 'your_api_key',
environment: 'production'
});
// Send money
const payment = await client.payments.create({
amount: 1000,
currency: 'USD',
recipient: '+1234567890',
method: 'mobile_money',
description: 'Payment for order #1234'
});
console.log(payment.status); // 'success'Build with Nexbit
Integrate our powerful payment and programmable money APIs to create next-generation financial applications.
Developer sandbox and API documentation available.