Real-time Payments,
Transfers, Cash-management

B2B, Consumer,

& Goverment

Vaiu™ network is the network of banks, e-wallets, and merchants that are connected to a Vaiu-enabled clearinghouse and certified to generate and accept Vaiu™ tokens. Member banks generate trusted bank-certified Vaiu™ tokens representing cash and equivalents and credit Vaiu™ tokens upon verification.

Are we a good fit for you?

We can help if:

  • You are a technology leader for a bank looking to transform and modernize your current on-us, on-we, and on-them transfers, check-processing, payments, or cash-management and distribution.

  • You care about data protection, fraud, the cost and complexity of your current core-banking infrastructure.

  • You provide or want to provide retailers and businesses with payment processing services.

  • You welcome simplifying your IT complexity and to reduce errors.

Speeding your transition to cash-like digital transactions #CLDT.

Data Protection with Cash-Like Digital Transactions

  • Privacy & Personal Data Protection

    Payments with no credential exchange protect your customers against identity theft. Are you pro data-protection for your customers?

  • Freedom

    No need to carry cash or credit cards, no need for yet another electronic wallet. All your customers need is your mobile app. They trust you. Give them what they need to use all day each day.

  • Convenience

    Save your customers time and frustration. Let them use Vaiu™ for all their money or a credit card whenever and wherever they need to pay.

  • Easy as Cash

    Easy as cash for gifts, small businesses, tips, and paying for odd jobs when you don’t know the recipient. You and your customers will delight in shedding the load of carrying cash and going to the physical ATM.

The Vaiu Digital ATM

  • Energize your Mobile App

    Transform your bank app from a monthly balance checker to an essential part of your customers’ daily lives. Vaiu™ increases customer engagement, revenue, and market share while significantly reducing costs.

  • Withdraw and Deposit Instantly

    Directly from your bank’s mobile app, your customers can withdraw money from their account as a Vaiu™ token and deposit a Vaiu™ token to add money to their account. They can do this safely and instantly 24/7 365 days, rain or shine.

Vaiu Digital ATM

Component

  • Create Opportunities

    Instantly compete in newly formed segments of the market and provide the most advanced customer experience.

    Vaiu™ offers a turnkey software package with secure APIs designed by world-class experts to minimize your integration effort while maximizing flexibility and future growth for your bank’s needs.

  • Reduce Costs

    Greatly reduce costs by reducing the need for physical banknotes and coins.

    Other savings will come from reduction in heavy infrastructure costs, including ATMs, surveillance systems, armored vehicles, and security personnel.

  • Increase Revenue

    Expand revenue opportunities by being a player in commerce and e-commerce transactions.

    Increase loyalty through an open and universally acceptable e-wallet technology.

    Increase revenue generating transactions and allow your customers to access the cash they need. Vaiu gives you an alternative to the debit card. Keep as much or more transaction revenue.

    Increase average account balances. With digital on-demand access to the exact amount of cash they need, your customers will not take $300 out of the ATM when they only need $27, resulting in higher average account balances.

  • Connect and Scale

    Interoperability Is Your Fastest Path to a Great Customer Experience, Relevance, and Growth

    Vaiu™ is a universal omni-channel protocol coupling your bank to all banks in the Vaiu™ Network.

    Vaiu™ works across software platforms, businesses, and international borders.

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Banking Components and Services

  • Your customers’ data is precious. Vaiu licenses and custom integrates into your bank’s IT services, a versatile software engine that opens up key new lines of business for your bank in this digital era.

  • Privacy and convenience anytime/anywhere access to funds while maintaining AML/KYC and assisting with GDPR compliance.

    Give your customers instant access to their money, digitally. A human-centric design is the hallmark of the Vaiu digital ATM. No more running around town to get cash. Vaiu word-of-the-bank ephemeral tokens are safe, private, and reliable. Add a digital ATM service to your mobile banking app or website today.

  • This embedded component into your mobile applications allows bank customers to withdraw money from their accounts and deposit money to their accounts, instantly, anywhere, using their mobile phone.

    The digital ATM features is equally accessible via your bank’s website, by SMS, and through WhatsApp and voice assistant devices such as Alexa and Google Assistant.

  • Integration into the Vaiu™ global instant payments network is easy with our digital cash ATM component in your mobile app. Privacy and convenience anytime/anywhere access to funds while maintaining AML/KYC and assisting with GDPR compliance.

  • Integration into the Vaiu™ global instant payments network is easy. The drop-in UI makes adding this component to your website and mobile banking app a cinch.

  • The Vaiu tokenBase server is designed to be a smooth addition to your enterprise stack. Running inside your secure network infrastructure, this component connects to your core banking system and is managed by your IT.

  • Cash management and card-payment services require real-time tools for risk management.

    The Vaiu system gives you the tools and data to manage risk. The number and value of outstanding tokens are just two of the variables you can control manually or with AI-integrated controls.

    Meanwhile, all transactions and activities are written out to a durable immutable audit log. You have the choice of a local blockchain or to write out to a remote blockchain log.

  • Operational Tools give you complete control and flexibility to configure your Vaiu tokenBase. The Vaiu control dashboard gives your real-time visibility into the production and usage of Vaiu Tokens.

Explore our wide range of featured products tailored to meet the diverse needs of central banks, banks, merchants, and individuals across the globe.

  • Real-time Payments Software

    Vaiu Global is an innovative real-time payments platform software designed to facilitate secure, private, and instant cash-like digital transactions for central banks, banks, merchants, and individuals worldwide.

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  • Vaiu Ephemeral Tokens

    Experience the power of Vaiu Global, a robust solution that enables hassle-free and efficient digital transactions for central banks, banks, merchants, and individuals around the globe.

    Vaiu Cash Token

  • Omni-channel UX

    Discover the convenience and reliability offered by the Vaiu platform, a leading transaction platform software that ensures seamless and reliable digital transactions for central banks, banks, merchants, and individuals worldwide.

    Vaiu SMS deposit

How to Get Started

  • Book an appointment, learn more, register your bank via your local or regional Vaiu Network anchors or be the anchor bank for your region.

  • Connect to Vaiu™ by using our secure API’s. Or, contact us for a quote on a customized implementation provided by our global implementation partner.

  • Your customers can now create and receive smart digital cash from all other connected banks.

Financial transactions through the ages

Money has been evolving for thousands of years. Transactions, trade, the exchange of goods and services for value, this human activity has been improved with technology through the ages.

Over 500 years ago, the printing press ushered in the possibility of bank notes that could be printed and distributed. Bank notes improved metal coins by reducing weight, simplifying the creation process, and thereby greatly expanding financial inclusion.

At no time, however, have technology, policy, laws, and human behavior evolved as rapidly as since the 1950s. We see a series of technologies changing our needs for laws and policies. Each step has created new markets, new opportunities, and new social norms and expectations. Most recently, the rise of decentralized finance (DeFi) and crypto-currencies has rocked the economy. From a technology perspective, Blockchain, underpinning “crypto” and Stablecoins, has captured the imagination and attention of bankers.

We see a different path forward. We see a path carved

Services

  • As you strive to navigate the complexities of all the technological innovations and advancements in transaction processing, user interfaces and experiences, and laws and policies, having experts at your side can be the make a huge difference in your success.

    How will the digital transformation of cash affect your business?

    How will it affect your customers?

    What can you do now to be prepared?

    Contact us and book an appointment to learn more.

  • Vaiu Global is committed to providing exceptional transaction solutions for a wide range of financial needs.

    We do not claim to be a solution for all of your needs. However, our Vaiu Ephemeral Token Processor, the Vaiu tokenBase, simplifies and radically alleviates many of the existing pain-points in modern retail bank services.

  • Vaiu Global is a transaction platform software enabling secure, private, and instant cash-like digital transactions for central banks, banks, merchants, and persons everywhere.

    Book an appointment and contact us to learn more.

Experience the power of Vaiu technology

Discover the strength and innovation behind what sets us apart. Our story is crafted by a team of experts dedicated to revolutionizing digital transactions. With Vaiu Global, you can trust in our secure and private platform that enables seamless cash-like transactions for central banks, banks, merchants, and individuals worldwide.

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Interested in learning more?

Seeking advisory expertise to navigate your own transition to digital transactions, be they digital signatures, attestations, or money movement?

We are happy to provide advisory and consulting services to your organization as you navigate your own transition to digital transactions, be they digital signatures, attestations, or money movement.

Join the Network.

Looking to lead, follow, participate, have a voice in the growth and direction?

Fill out the “Join Vaiu™ Network” below or if you have any questions before you join.