Turn 3-day payment promises
into 3-second proof.
VerraPay is an instant settlement layer for banks that eliminates 24–48 hour credit holds after bill payments.
The hidden delay behind "Payment Successful"
When a customer pays a credit card bill, the bank doesn't actually have the money yet. The payment is just an ACH promise that can take 24–48 hours to clear. During that time, the bank holds the customer's available credit to protect itself from settlement risk.
24–48 hour delay
ACH bill payments settle in days, not seconds.
Reversible promise
The bank only has a reversible promise, not final funds.
Frozen credit
To protect itself, the bank keeps credit frozen.
Poor experience
Customers feel the delay, even though the UI says "Payment successful".
Customer
ACH Promise
⏱ 24–48 hours
⚠️ Settlement Risk
Bank
Final Settlement
Biller
VerraPay replaces 3-day risk with 3-second proof.
VerraPay sits inside the bank's existing payment flow. When a customer taps "Pay Bill," the bank can route that payment through VerraPay's instant settlement layer instead of waiting for ACH alone.
Under the hood, VerraPay runs a Mint → Transfer → Burn cycle of a one-to-one-backed settlement token on a private Base L2. The bank receives cryptographic proof that the funds are real and final in under three seconds.
24–48h delay
Customers wait days for credit to become available again
Settlement risk
Bank only has a reversible promise, not final funds
Frozen credit
Credit line stays locked during settlement period
Under 3 seconds
Settlement completes almost instantly
Cryptographic finality
Bank receives proof that funds are real and final
Credit released instantly
Customer can use their credit line immediately
How VerraPay fits inside a bank app
A seamless integration that works behind the scenes
Customer pays a bill
A customer opens their existing banking app and taps "Pay Bill" as usual.
Bank routes through VerraPay
Instead of relying only on ACH, the bank routes the transaction through VerraPay's instant settlement layer.
Mint → Transfer → Burn on private Base L2
VerraPay mints a one-to-one-backed settlement token, transfers it to the biller's side, and then burns it — all on a private Base L2.
Bank receives proof and updates credit
The bank receives cryptographic proof of final settlement in under three seconds and can safely restore the customer's available credit.
Customer pays a bill
A customer opens their existing banking app and taps "Pay Bill" as usual.
Bank routes through VerraPay
Instead of relying only on ACH, the bank routes the transaction through VerraPay's instant settlement layer.
Mint → Transfer → Burn on private Base L2
VerraPay mints a one-to-one-backed settlement token, transfers it to the biller's side, and then burns it — all on a private Base L2.
Bank receives proof and updates credit
The bank receives cryptographic proof of final settlement in under three seconds and can safely restore the customer's available credit.
Why banks use VerraPay
VerraPay is built for regulated financial institutions that want faster settlement without adding consumer-facing complexity.
Settlement risk → zero
Replace a reversible ACH promise with cryptographic proof of final settlement.
Better customer experience
Release credit lines instantly after bill payment instead of 24–48 hours later.
Operational efficiency
Reduce manual reviews, exceptions, and NSF handling on bill-pay flows.
Revenue upside
When credit is available sooner, customers spend sooner — improving interchange revenue.
Built for bank infrastructure teams
VerraPay integrates directly into your existing payment rails. No separate consumer app, no brand confusion — just instant settlement proof that your risk and operations teams will love.
Built for bank engineers and fintech teams
VerraPay is designed as an API-first settlement layer. While the product is still in the architecture stage, the integration model is simple: initiate a settlement, receive status updates, and rely on VerraPay for instant finality.
Integration Overview
REST API with secure authentication.
Idempotent endpoints for safe retries.
Webhooks for settlement status updates.
Detailed logging and audit trails.
Architecture at a glance
Bank Core / Ledger Systems
- Existing accounts, ledgers, card systems
VerraPay Settlement Layer
(Private Base L2)
- Mint → Transfer → Burn settlement token
- Cryptographic proof of finality
- API + webhooks
Biller / Payee
- Receives funds with instant settlement confirmation
Bank Core / Ledger Systems
Existing accounts, ledgers, card systems
VerraPay Settlement Layer
(Private Base L2)
- • Mint → Transfer → Burn settlement token
- • Cryptographic proof of finality
- • API + webhooks
Biller / Payee
Receives funds with instant settlement confirmation
VerraPay sits between the bank's core systems and the outside world, acting as an internal instant settlement rail. It does not replace the bank's ledger or customer interfaces — it upgrades how quickly and safely funds can be considered final.
Investors: Instant settlement for a massive market
Credit card bill-pay volume in the U.S. alone is measured in trillions of dollars annually. Most of it still rides on slow, risk-heavy ACH rails. VerraPay is an opportunity to build a neutral instant settlement layer that can sit inside many banks and payment flows.
Infrastructure fintech, B2B, API-first.
Clear value to banks: risk and operational drag down, customer satisfaction and revenue up.
Architecture that can extend beyond credit cards to other bill-pay and settlement flows.
Built for U.S. banks with proven regulatory compliance and domestic infrastructure.
Interested in partnering or investing?
Share your details and we'll follow up with an overview and architecture deep-dive.
Frequently asked questions
Let's talk
Whether you're a bank exploring instant settlement or an investor interested in infrastructure fintech, we'd love to hear from you.