SDVOSB • Patent Pending

The Gate Between
Proof and Payment

Attestation-controlled disbursement infrastructure. Funds cannot move until cryptographic proofs verify conditions have been met. No human override. No exceptions.

$12,700,000

Disbursement Risk Denied

—

XRPL Mainnet Anchors

—

Decision Records Signed

All figures reflect internal test and simulation environments using modeled scenarios based on real-world project parameters. These are not actual client engagements or audited financial results. XRPL anchors and decision records are live production transactions on mainnet used to validate platform capabilities. Gate amounts represent test scenarios, not real disbursements.

⛓ XRPL Mainnet Verified

📜 9 Patents Filed

🔒 Hash-Only Architecture

🎖 Service-Disabled Veteran Owned

🛡 Privacy-Preserving

🔐 Ed25519 Asymmetric Signing

📄 ISO 20022 Proof Pointers

📋 30+ Auditable Reason Codes

The Problem

Payments move before proof exists

Metric	Scale	What VERA Changes
Federal improper payments (FY 2024)	$162B	Gate logic blocks release until attestations clear — no self-certification
Estimated annual federal fraud losses	$233B–$521B	Cryptographic decision records create tamper-evident, replayable proof
Cumulative improper payments since 2003	$2.8T	Hash-chained audit packs enable independent third-party verification
Consumer fraud losses (2024)	$12.5B	Privacy-preserving architecture — documents never leave your environment
Pandemic fraud (PPP + EIDL + UI)	$300B+	Algorithmic enforcement replaces human judgment at the disbursement boundary

Sources: GAO-25-107753 (March 2025), GAO-24-105833 (April 2024), FTC Consumer Sentinel (March 2025)

Architecture

How the gate works

Hash

Documents stay in your environment. Only SHA-256 hashes are transmitted to VERA.

Attest

Required parties sign cryptographic attestations. Quorum rules enforced algorithmically.

Decide

Policy engine evaluates risk, attestations, and thresholds. Produces ALLOW, DENY, or DEFER with structured reason codes.

Sign & Anchor

Decision record signed with Ed25519 asymmetric keys, hash-chained, and anchored to XRPL mainnet. Independently verifiable by any third party with the public key.

Industry Agnostic

Eight equal verticals

🏦

Trade Finance

🎰

Sports Betting

🛡

Insurance

🏛

Government

🏥

Healthcare

⚖

Legal

🤖

AI Provenance

🏗

Construction

▶ LIVE MAINNET PROOF

First Transaction

January 4, 2026

Network

XRPL Mainnet — View All Transactions

First TX Hash

D4320C1F...A2A99

Signing Algorithm

Ed25519 — Independently Verifiable

Public Key

/api/v1/signing/public-key

Proof Pointers

JSON, Compact (base64url), ISO 20022 XML

Audit Export

Sealed hash-chained JSONL bundles with root hash verification

Where This Goes

Building the trust layer for regulated payments

Now

Proof is portable

Production infrastructure live on AWS and XRPL mainnet. Ed25519 asymmetric signing deployed — decisions independently verifiable by any third party. ISO 20022 proof pointers travel with payment instructions. Nine provisional patents filed. DoD-hardened classification controls.

Close the loop

Shadow-mode pilots with community banks and state agencies. Sealed audit packs delivered directly to regulators. SWIFT rail integration via proof pointer schema. SOC 2 certification. Sports betting integrity investigation packs.

Then

Become infrastructure

Any payment rail, any industry, any jurisdiction. VERA becomes the verification layer that sits between intent and execution — the standard proof that conditions were met before money moved.

Ready to close the gate?

Shadow-mode pilots available. No integration required to start.