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Unified Programmable Payments for the Global Economy

An infrastructure layer that turns static payments into intelligent, rule-based financial flows—built on trusted systems for institutions and innovators worldwide.

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<Rules & Conditions>

<Embedded compliance>

<Trusted Rails>

<Interoperability>

Unified Programmable Payments for the Global Economy

An infrastructure layer that turns static payments into intelligent, rule-based financial flows—built on trusted systems for institutions and innovators worldwide.

Connect with us
Read the Whitepaper

<Rules & Conditions>

<Embedded compliance>

<Trusted Rails>

<Interoperability>

<Rules & Conditions>

<Embedded compliance>

<Trusted Rails>

<Interoperability>

Programmable

Rules-embedded payments

Compliant

Built-in regulatory logic

Interoperable

Cross-rail connectivity

Institutional

Enterprise-grade infrastructure

What Finternet’s
Programmable Payment Rails Enable

For Domestic

And Cross-Border

Faster Settlement

Real-time finality with rule-based release conditions across counterparties.

Lower Operational Cost

Automated reconciliation and reduced manual intervention in payment flows.

Automated Financial Flows

Milestone-based releases, conditional payouts, and triggered disbursements.

Multi-Party Coordination

Seamless orchestration of payments across multiple stakeholders and jurisdictions.

Predictable Cross-Border

Consistent execution with embedded FX rules and compliance across corridors.

Compliance by Design

Regulatory requirements enforced within the payment layer, not around it.

Faster Settlement

Real-time finality with rule-based release conditions across counterparties.

Lower Operational Cost

Automated reconciliation and reduced manual intervention in payment flows.

Automated Financial Flows

Milestone-based releases, conditional payouts, and triggered disbursements.

Multi-Party Coordination

Seamless orchestration of payments across multiple stakeholders and jurisdictions.

Predictable Cross-Border

Consistent execution with embedded FX rules and compliance across corridors.

Compliance by Design

Regulatory requirements enforced within the payment layer, not around it.

Finternet’s network partners include →

Banks

Extend existing core banking & payment systems with a programmable layer that enables conditional disbursements, escrow-based flows, and coordinated multi-party settlements

Fintechs

Extend existing core banking & payment systems with a programmable layer that enables conditional disbursements, escrow-based flows, and coordinated multi-party settlements

Institutional Merchants

Automate complex payment operations such as milestone-linked releases, split settlements, and multi-vendor payouts, bringing greater control, transparency, and efficiency to large-scale commerce flows.

Innovators 
& Builders

Experiment with and validate new payment flows in a regulated sandbox, using reference implementations that make it easier to move from prototype to real-world deployment.

Banks

Extend existing core banking & payment systems with a programmable layer that enables conditional disbursements, escrow-based flows, and coordinated multi-party settlements

Fintechs

Extend existing core banking & payment systems with a programmable layer that enables conditional disbursements, escrow-based flows, and coordinated multi-party settlements

Institutional Merchants

Automate complex payment operations such as milestone-linked releases, split settlements, and multi-vendor payouts, bringing greater control, transparency, and efficiency to large-scale commerce flows.

Innovators 
& Builders

Experiment with and validate new payment flows in a regulated sandbox, using reference implementations that make it easier to move from prototype to real-world deployment.

What does Finternet Unlock?

By embedding rules, conditions, and coordination directly into payment rails, Finternet enables new classes of use cases to be built. New companies and business models are emerging around outcome-based finance, event-driven commerce, auditable and traceable payment transactions, and multi-party value networks—expanding utility for end users while preserving institutional-grade trust, compliance, and reliability.

Reference Use Cases

Milestone-Based Trade Finance

Current Systems

  • Manual document checks at each stage
  • Fund release dependent on layered approvals
  • Compliance handled outside the payment flow

Finternet Programmable Rails

  • Manual document checks at each stage
  • Conditional fund release on milestone completion
  • Compliance embedded into payment execution

Multi-Party Marketplace Settlement

Current Systems

  • Post-transaction reconciliation
  • Manual fee and revenue split calculations
  • Delayed payouts to participants

Finternet Programmable Rails

  • Automated split payments at transaction time
  • Rule-based fee routing
  • Instant settlement to all parties

Conditional Supply Chain Payments

Current Systems

  • Invoice-based payments with long cycles
  • Manual delivery and quality verification
  • Unpredictable cash flows

Finternet Programmable Rails

  • Event-triggered payments on confirmation
  • Automated milestone-based releases
  • Predictable, rule-driven cash flows

Programmable Subscription & Usage-Based Billing

Current Systems

  • Static recurring charges
  • Manual billing adjustments
  • Limited usage-based pricing

Finternet Programmable Rails

  • Dynamic pricing linked to usage or events
  • Automated prorated adjustments
  • Event-driven billing and settlement

Outcome-Based Contribution & Incentive Payments

Current Systems

  • Upfront or manual incentive distribution
  • Weak linkage between outcomes and rewards
  • Attribution handled outside payments

Finternet Programmable Rails

  • Payments released on verified outcomes
  • Embedded permissions and controls
  • Incentives aligned to measurable results

Crowd-Pooled Funding & Reward Mechanisms

Current Systems

  • Platform-controlled reward decisions
  • Manual or discretionary payouts
  • Limited transparency in outcomes

Finternet Programmable Rails

  • Funds released on predefined validation triggers
  • Transparent outcome-based split routing
  • Trust enforced within payment execution

Performance-Linked Financing Models

Current Systems

  • Lump-sum or fixed disbursements
  • Weak linkage between performance and funding
  • Manual progress oversight

Finternet Programmable Rails

  • Escrowed funds released on proof-of-progress
  • Automated milestone-based sequencing
  • Continuous alignment with outcomes

Purpose-Bound Lending & Automated Repayment

Current Systems

  • Manual monitoring of fund usage
  • Fixed repayment schedules
  • Higher operational risk

Finternet Programmable Rails

  • Funds restricted to approved purposes
  • Repayments triggered by income or events
  • Rule-governed credit execution

Goal-Oriented Social & Community Funding

Current Systems

  • Informal transfers with low transparency
  • No structured goal linkage
  • Trust outside the payment system

Finternet Programmable Rails

  • Conditional releases tied to goals
  • Rule-based contributor coordination
  • Transparent, outcome-driven funding
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Milestone-Based Trade Finance

Current Systems

  • Manual document checks at each stage
  • Fund release dependent on layered approvals
  • Compliance handled outside the payment flow

Finternet Programmable Rails

  • Manual document checks at each stage
  • Conditional fund release on milestone completion
  • Compliance embedded into payment execution

Multi-Party Marketplace Settlement

Current Systems

  • Post-transaction reconciliation
  • Manual fee and revenue split calculations
  • Delayed payouts to participants

Finternet Programmable Rails

  • Automated split payments at transaction time
  • Rule-based fee routing
  • Instant settlement to all parties

Conditional Supply Chain Payments

Current Systems

  • Invoice-based payments with long cycles
  • Manual delivery and quality verification
  • Unpredictable cash flows

Finternet Programmable Rails

  • Event-triggered payments on confirmation
  • Automated milestone-based releases
  • Predictable, rule-driven cash flows

Programmable Subscription & Usage-Based Billing

Current Systems

  • Static recurring charges
  • Manual billing adjustments
  • Limited usage-based pricing

Finternet Programmable Rails

  • Dynamic pricing linked to usage or events
  • Automated prorated adjustments
  • Event-driven billing and settlement

Outcome-Based Contribution & Incentive Payments

Current Systems

  • Upfront or manual incentive distribution
  • Weak linkage between outcomes and rewards
  • Attribution handled outside payments

Finternet Programmable Rails

  • Payments released on verified outcomes
  • Embedded permissions and controls
  • Incentives aligned to measurable results

Crowd-Pooled Funding & Reward Mechanisms

Current Systems

  • Platform-controlled reward decisions
  • Manual or discretionary payouts
  • Limited transparency in outcomes

Finternet Programmable Rails

  • Funds released on predefined validation triggers
  • Transparent outcome-based split routing
  • Trust enforced within payment execution

Performance-Linked Financing Models

Current Systems

  • Lump-sum or fixed disbursements
  • Weak linkage between performance and funding
  • Manual progress oversight

Finternet Programmable Rails

  • Escrowed funds released on proof-of-progress
  • Automated milestone-based sequencing
  • Continuous alignment with outcomes

Purpose-Bound Lending & Automated Repayment

Current Systems

  • Manual monitoring of fund usage
  • Fixed repayment schedules
  • Higher operational risk

Finternet Programmable Rails

  • Funds restricted to approved purposes
  • Repayments triggered by income or events
  • Rule-governed credit execution

Purpose-Bound Lending & Automated Repayment

Current Systems

  • Manual monitoring of fund usage
  • Fixed repayment schedules
  • Higher operational risk

Finternet Programmable Rails

  • Funds restricted to approved purposes
  • Repayments triggered by income or events
  • Rule-governed credit execution

Sandbox

A controlled environment where regulated institutions and builders can explore, test, and validate programmable payment flows. Learn through experimentation - safely and responsibly.

Reference Flows

Pre-built templates

Test Environment

Safe experimentation

Collaboration

Work with experts

Explore the Sandbox

sandbox.finternet.dev

$ finternet init –template trade-finance

✓ Initialized payment flow template

✓ Connected to sandbox environment

✓ Compliance rules loaded

$ finternet deploy –flow milestone-release

Deploying flow to sandbox…

✓ Flow deployed successfully

$ finternet test –scenario delivery-confirmed Running test scenario…

✓ Payment released: $50,000 → Supplier A

✓ Compliance check: PASSED

$ █

Partners Powering the Finternet Ecosystem

A collaborative network of institutions and technology providers enabling trusted, programmable money movement across systems and jurisdictions.

Enable efficient movement of value across currencies and corridors, supporting settlement in both fiat and tokenized forms of money.

Connect existing enterprise systems, reducing integration complexity and accelerating deployment.

Provide regulated, trusted access points for domestic and cross-border money movement, extending reach across countries and platforms.

Deliver deep infrastructure across identity, privacy, cryptography, and security—enabling programmable, compliant transactions at scale.