Splash is a compliance-gated B2B account network for cross-border money in Southeast Asia. Businesses collect USD and pay out locally — starting with the USD to PHP corridor on testnet — with human approval on every AI-prepared action.

Is Splash a licensed money-services business?

Not yet. Licensed partners are the system of record for regulated activities today, and Splash's own licensing path (Labuan FSA in process; BNM MSB and BSP planned) is documented on the Trust & compliance page.

How fast do payments settle?

Settlement on Sui reaches finality in roughly 400 milliseconds. End-to-end delivery time depends on the local payout rail for the corridor.

What does a payout cost?

Corridor fees start from a 0.80% edge fee. Simple USD payouts ride Sui's zero-fee rail and programmable settlement is gas-sponsored — you never hold SUI.

Does the AI move money?

No. 0xWal prepares unsigned proposals; deterministic policy checks, safety guards, and your human approval are what release funds. Every settlement anchors Seal-encrypted evidence on Walrus and Sui.

Is the treasury yield fixed?

No. Treasury posture is a projection with a variable rate — never a fixed figure — and every treasury action requires explicit business approval.

Splash

SandboxMY-PH testnetStart sending

Corridor · TestnetUSD → PHP~400ms Sui settlement finality

Edge fee · ModeledFrom 0.80% at the edgeStarting fee; varies by corridor and volume.

Treasury · Approval-gatedUSDY postureVariable APY - T-bill-backed

Agent · Human-final0xWal desk0xWal prepares. You approve.

Network telemetry · Sandbox environment · No real money moves

Splash · Settlement network on Sui

Move money.Settle everything.

Send USD across Southeast Asia in minutes — starting with the Philippines

A compliance-gated B2B account network for cross-border money. Between the invoice and the settlement, Splash nets, yields, discounts, and escrows — with human approval on every action.

Open payment desk

Compliance-gated ~400ms Sui settlement finality Human-approved AI

The product

Payments are the feature.Treasury is the product.

Stripe and Airwallex move money. Splash runs everything between the invoice and the settlement — netting it, yielding it, discounting it, escrowing it.

Open payment desk Log in

1 live testnetMY to PH corridor

Modeled routesexpand with controls

~400msSui settlement finality

From 0.80%starting edge fee

Human approvedAI recommendations

Stored proofWalrus + Sui audit

1 live testnetMY to PH corridor

Modeled routesexpand with controls

~400msSui settlement finality

From 0.80%starting edge fee

Human approvedAI recommendations

Stored proofWalrus + Sui audit

The three loops

Move it. Grow it.Finance it.

Idle dollars on Sui already move for free — Splash's job is what the transfer alone can't do. Settle in minutes. Save while it waits. Supply turns invoices into working capital.

Settle

Live

Move it in minutes.

Collect USD, pay Southeast Asia. Every approved payout builds verified counterparties and settlement history.

USD → PHP · live on testnet

Save

Live

Isometric treasury tiers of idle USD growing along a yield curve, gated by an approve control

Grow it while it waits.

Idle USD follows a projected, variable treasury posture. Your business approves every move.

Projected · variable · human-approved

Supply

Roadmap· subject to licensing

Finance it — the moat.

Invoices would become working capital: your buyer funds early payment against a receivable both sides can verify.

Buyer-funded · no third-party lender

Where the fees live:simple USD payouts ride Sui's zero-fee rail; programmable settlement is gas-sponsored. You never hold SUI.

Explore the Supply loop

Infrastructure & Partners

Licensed-partner rails outside. Sui-native settlement inside.

How it works

Five steps.No limbo.

Working-capital branchAccepted invoice to supplier discount offer to buyer approval to settlement proof.

Current checkpointPay link or invoice

Collect isometric typography with an invoice, pay link, and dollar coins

Collect or upload

Create a pay link, upload an accepted invoice, or fund USD into the operating account.

One testnet corridor. Modeled expansion routes.

USD in.Local out.

The MY-to-PH corridor is the proving ground. Additional routes stay modeled until partner, liquidity, and regulatory controls are ready market by market.

PHP testnetMYRIDRVNDTHBSGDEURGBP

Live-modelPayout

Deliver local currency to a verified recipient through the current payout rail.

Phase 1 launchSweep account

Let recipients sweep value into a Splash account and recruit the next counterparty.

Corridor gatedStored balance

Keep value inside the network where regulation and partner controls permit it.

Open the payout desk

Two isometric city platforms, Kuala Lumpur and Manila, connected by a golden bridge of flowing coins

Comparison

Built for business.Designed to move.

Splash makes internal account movement free, charges when value exits to local rails, and adds programmable settlement, approval-led AI, and private audit proof.

Feature	Bank	Broker	Wise	Splash
Settlement speed	2-5 days	1-3 days	1-2 days	~400ms Sui settlement finality
Starting fee	3-5%	2-4%	0.5-1.5%	From 0.80% at the edge
FX transparency	Hidden markup	Cash spread	Mid-market	Oracle-labeled quote
Atomic settlement	No	No	No	Yes
Batch payments	Limited	No	Limited	Native
AI treasury copilot	No	No	No	0xWal prepares. You approve.
Early payment on invoices	Manual factoring	No	No	Buyer-approved discount offer
Bilateral netting	Manual	No	No	Modeled in account loop
Permanent audit trail	Siloed records	Manual receipts	Platform history	Encrypted Walrus + Sui
Recipient account ladder	Bank account only	Cash-out only	Wise account	Payout, sweep, stored balance
Yield on idle USD	0.38% APY	3.12% APY	3.14% APY	0.00% projected variable APY

Reference yield benchmarkFDIC national savings - IBKR Pro cash - Wise USD Interest - Splash treasury projection · Yield is hygiene, not the headline — the working-capital loop is.

Trust · Four gates

Every payoutproves itself.

A payment on Splash cannot skip a checkpoint: verified before it's quoted, approved before it's signed, atomic when it settles, anchored after it lands.

01
Verify
KYB on both sides.
A payout only exists between verified businesses. Sumsub gates every counterparty before a quote is even prepared.
Sumsub KYB · wired
02
Approve
A person signs. Always.
0xWal prepares. You approve. No payout, batch, or treasury move executes without a human signature.
Maker-checker · human-final
03
Settle
Atomic or not at all.
The prepared payment completes exactly as approved — or stops safely before funds move. No partial states.
~400ms Sui settlement finality
04
Prove
Evidence outlives the payment.
Receipts and Seal-encrypted documents anchor to Walrus and Sui — an audit spine you can hand to an auditor.
Seal + Walrus + Sui

Sandbox environment · Labuan FSA licence application in progress · No real money moves

The platform

Everything between invoiceand settlement.

One approval-gated desk for liquidity, settlement, and treasury. Funding, payout, receivables, and treasury actions stay sandboxed until licensed rails are active.

Liquidity

Keep USD productive.

Keep payout inventory ready while treasury projections model how excess USD could remain productive.

Available cash - projected treasury

Settlement

Funds cannot get stuck.

Every payment intent settles or reverts atomically in one programmable Sui transaction.

~400ms Sui settlement finality

Treasury

Make cash work harder.

0xWal recommends a treasury posture. Your business approves every action; execution remains gated.

Simulation - human approval

Supply · The moat

Your invoices areworking capital.

Roadmap· coming capability, subject to licensing

A Receivable would be an invoice that remembers how it gets paid — quotes, approvals, receipts, proof. History a lender would charge you to underwrite, your buyer can simply read.

Receivable

A buyer-accepted invoice.

Issued between two KYB-verified businesses and anchored to the same audit spine as every payout — an invoice that carries its own settlement history.

Verified counterparties

Early offer

Buyer funds early payment.

Your buyer offers to pay the 90-day invoice now. You choose per invoice: the full amount on the due date, or a small discount today.

Buyer-funded · no third-party lender

Settlement

Same rail, same proof.

The early payment would settle over Splash like any payout — approval-gated, with Seal-encrypted evidence anchored on Walrus and Sui.

Approval-gated · audit-anchored

See the full Supply story

How a Receivable becomes working capital.

The whole loop — verified invoice, buyer-funded early offer, settlement with no third-party lender — laid out end to end.

Dynamic discounting is a coming capability, subject to licensing. Registering interest does not create a financing commitment — it tells us which corridors to build first.

Explore working capital Register financing interest

0xWal, an isometric robot assistant at a desk, presenting suggestion cards

MemWal remembers patternsAI proposes. Your team approves.

AI Copilot

Context that getsmore useful.

The copilot connects rates, invoices, batch habits, and treasury posture without storing PII, account numbers, transaction hashes, or raw dollar amounts in MemWal.

Rate intelligenceWatch every corridor and surface better timing before a payment is approved.

Invoice forecastingExtract upcoming obligations from invoices while the original file remains encrypted on Walrus.

Batch optimizerRecognize repeat corridor patterns and suggest grouped payouts with lower operating cost.

Treasury advisorModel payout liquidity and projected yield, then wait for explicit business approval.

The control plane

Shipped, notpromised.

Every 0xWal recommendation runs this exact pipeline before money can move. The phase names below are the engine's own state machine — inspect them in the Action Queue.

0xWal prepares, you approve. 0xWal never moves money — deterministic policy and your approval do. This pipeline is shipped code, not a roadmap.

Open the Action Queue

01
Propose
0xWal drafts an unsigned proposal and dry-runs it against live balances. Gas is sponsored — nothing is signed, nothing moves.
DRAFTEDSIMULATED
lib/agent/oxwal.ts
02
Policy
Deterministic rules — approval thresholds, corridor arm/pause state, operating minimums — evaluate the proposal. Code, not judgement.
POLICY_EVALUATED
lib/policy/evaluate.ts
03
Guards
Anomaly screens, a circuit breaker, and a submit guard sit between the proposal and the queue. Any trip stops the pipeline.
PENDING_APPROVAL
lib/safety/*
04
You approve
A human signs in the Action Queue — maker-checker, with dual approval above your threshold. This is the only gate that releases money.
APPROVEDSIGNED
app/queue
05
Execute & prove
The approved transaction settles on Sui, and Seal-encrypted evidence lands on Walrus, anchored on-chain for audit.
SUBMITTEDSETTLEDANCHORED
lib/evidence/settlement.ts

Move money better

Your global treasury,finally programmable.

Start with USD. Prove the MY-to-PH path. Expand only when controls and partners are ready.

Start sending Log in

Isometric local currency payment receipt

Send USD across Southeast Asia in minutes — starting with the Philippines

A compliance-gated B2B account network for cross-border money. Between the invoice and the settlement, Splash nets, yields, discounts, and escrows — with human approval on every action.

Compliance-gated ~400ms Sui settlement finality Human-approved AI

USD in.Local out.

The MY-to-PH corridor is the proving ground. Additional routes stay modeled until partner, liquidity, and regulatory controls are ready market by market.

PHP testnetMYRIDRVNDTHBSGDEURGBP

Live-modelPayout

Deliver local currency to a verified recipient through the current payout rail.

Phase 1 launchSweep account

Let recipients sweep value into a Splash account and recruit the next counterparty.

Corridor gatedStored balance

Keep value inside the network where regulation and partner controls permit it.

Open the payout desk

Feature

Bank

Broker

Wise

Splash

Settlement speed

2-5 days

1-3 days

1-2 days

~400ms Sui settlement finality

Starting fee

3-5%

2-4%

0.5-1.5%

From 0.80% at the edge

FX transparency

Hidden markup

Cash spread

Mid-market

Oracle-labeled quote

Atomic settlement

Yes

Batch payments

Limited

Native

AI treasury copilot

0xWal prepares. You approve.

Early payment on invoices

Manual factoring

Buyer-approved discount offer

Bilateral netting

Manual

Modeled in account loop

Permanent audit trail

Siloed records

Manual receipts

Platform history

Encrypted Walrus + Sui

Recipient account ladder

Bank account only

Cash-out only

Wise account

Payout, sweep, stored balance

Yield on idle USD

0.38% APY

3.12% APY

3.14% APY

0.00% projected variable APY

Context that getsmore useful.

The copilot connects rates, invoices, batch habits, and treasury posture without storing PII, account numbers, transaction hashes, or raw dollar amounts in MemWal.

Rate intelligenceWatch every corridor and surface better timing before a payment is approved.

Invoice forecastingExtract upcoming obligations from invoices while the original file remains encrypted on Walrus.

Batch optimizerRecognize repeat corridor patterns and suggest grouped payouts with lower operating cost.

Treasury advisorModel payout liquidity and projected yield, then wait for explicit business approval.

Send USD across Southeast Asia in minutes — starting with the Philippines

Payments are the feature.Treasury is the product.