Splash moves USD to 8 local currencies in 400ms with hot-potato atomicity — a settlement guarantee only Sui can offer. AI Copilot, Walrus audit trail, and 4.8% yield on idle USD included — regulated for serious Business.
Sui
Every Splash payment flows through a four-step process backed by Sui's hot-potato object model. Funds move atomically — no partial fills, no stuck capital, no manual reconciliation.
Fund your Splash treasury in USD via Stripe card, Stripe ACH, or Airwallex wire. Funds appear as USDsui on Sui immediately.
Treasury Copilot checks live FX rates, your pending invoices from Walrus, and your behavioral patterns to suggest optimal timing.
A hot-potato PaymentIntent is created with NO store/drop/key ability. It MUST be consumed — settled to recipient or refunded — in the same PTB. Funds cannot get stuck.
The immutable PaymentReceipt is frozen on Sui. Daily Merkle trees of all events are Seal-encrypted and stored on Walrus, anchored on-chain as AuditAnchor objects.
USD is the universal sender currency. Recipients receive their local currency directly. Every corridor uses the same hot-potato settlement guarantee.
Every corridor shares the same PaymentIntent hot-potato, the same Walrus audit anchoring, and the same 1% fee structure. Adding a new corridor is adding a new FX rate — not rebuilding the stack.
Hot-potato atomicity. Walrus audit anchoring. MemWal AI memory. Smart treasury yield. Global corridors. All in one USD-first platform on Sui.
PaymentIntent has no store, drop, or key ability. It must be consumed in the same PTB or the transaction aborts. Funds physically cannot get stuck — a primitive only Sui can offer.
Sub-second on-chain finality on Sui Layer-1. No gas fees. No block congestion. Every settlement is final and verifiable on-chain.
Invoices are Seal-encrypted and stored on Walrus permanently. Daily Merkle roots are anchored on Sui as frozen AuditAnchor objects — tamper-evident for regulators.
MemWal stores your behavioral patterns across sessions. Claude API generates rate alerts, batch suggestions, and invoice-driven forecasts — AI proposes, you sign.
Idle USD earns yield in USDsui via Sui DeFi. Your balance, accrued yield, and withdrawal history are tracked on-chain per user in SmartTreasury objects.
USD → PHP, MYR, IDR, VND, THB, SGD, EUR, GBP. One platform, one fee structure, one API. Every corridor is designed from Day 1 to scale to 200+ countries.
Powered by Sui, Walrus, MemWal, Pyth, Stripe, Airwallex, and Sumsub — built as an infrastructure layer, not a consumer app.
SuiWalrusStripeWalrus is Sui's decentralized storage layer. Splash uses it for two critical workflows: invoice storage and daily compliance anchoring. Every blob is Seal-encrypted and pinned for 7 years.
Upload PDF invoices. Splash AI extracts payment data. The PDF is Seal-encrypted with your key and stored permanently on Walrus. Splash cannot read it after extraction — only you can.
Every 24 hours, all settlement events are hashed into a Merkle tree, encrypted, and uploaded to Walrus. The root is anchored on Sui as an immutable AuditAnchor object.
Any auditor with the decryption key can verify every transaction against the on-chain Merkle root. Tamper-evident by design — the AuditAnchor on Sui is frozen and cannot be altered.
Sui's identity-based encryption
Invoice PDFs are encrypted with Seal using your wallet key. Splash extracts invoice data during upload but cannot decrypt the stored blob. The ciphertext on Walrus is yours alone.
| Retention | 7 years (minimum) |
| Replication | 100+ Walrus storage nodes |
| Encryption | Seal (identity-based) |
| Audit cadence | Daily Merkle root |
| Anchor object | AuditAnchor on Sui |
| Verification | On-chain · permissionless |
| Erasure coding | Red Stuff (2D) |
Splash competes with Wise on price, beats banks on speed, and offers primitives — hot-potato atomicity, on-chain receipts, AI copilot, yield — that none can match.
| Feature | 🏦Bank | Money Agent | Wise |  SplashB2B |
|---|---|---|---|---|
| Settlement Speed | 2–5 days | 1–3 days | 1–2 days | 400ms |
| Starting Fee | 3–5% | 2–4% | 0.5–1.5% | 0.80% |
| FX Transparency | Hidden markup | Cash spread | Mid-market | Pyth oracle |
| Batch Payments | ||||
| Atomic Settlement | ||||
| Hot-Potato Safety | ||||
| AI Treasury Copilot | ||||
| Yield on Idle USD | 4.8% APY | |||
| Walrus Audit Trail | ||||
| On-chain Receipts |
Volume pricing: Larger batches share infrastructure costs — better rates at scale.
Yield offset: Your idle USD earns 4.8% APY, effectively reducing your net cost of payment.
No FX spread: We use Pyth oracle mid-market rates. No hidden markup on the currency side.
Hot-potato: PaymentIntent with no store/drop/key — funds cannot get stuck. Only Sui.
Zero gas: Splash pays gas for your transactions. No hidden chain fees.
MemWal: AI remembers your patterns across sessions — cross-session context no other platform has.
Upload a CSV, sign once, and Splash executes the entire payroll or supplier batch on Sui as a single hot-potato PTB. If any leg fails, the whole batch reverts — no partial settlement, no stuck funds, no manual cleanup.
| Vendor | Corridor | USD | Local | Status |
|---|---|---|---|---|
| Acme | USD→PHP | $12,400.00 | ₱699,608 | Settled |
| Manila | USD→PHP | $8,750.50 | ₱494,148 | Settled |
| Jakarta | USD→IDR | $21,000.00 | Rp 341.8M | Settled |
| Singapore | USD→SGD | $5,300.00 | S$7,128 | Pending |
| Batch total | $47,450.50 | 3 currencies | PTB-pending | |
Splash combines Sumsub KYB, AML screening, on-chain receipts, and Walrus audit anchoring so finance teams can move capital without losing governance. Every event is verifiable by regulators without trusting Splash's servers.
Audit on WalrusAnchored on SuiBusiness registration, ownership structure, and risk scoring via Sumsub before any funds move.
Corridor-level policy checks on counterparties, purpose codes, and high-risk transaction patterns.
Every day's events are Merkle-hashed, Seal-encrypted, stored on Walrus, and anchored as frozen AuditAnchor on Sui.
Role-aware access controls, 2FA signing flows, and operator-grade wallet safeguards for every settlement.
Export signed receipts, Walrus blob IDs, Merkle proofs, and KYB records from one operating layer. Any auditor can verify the entire trail against the AuditAnchor on Sui — without trusting our servers.
| Artifact | Source | State |
|---|---|---|
| KYB records | Sumsub API | Signed |
| AML screening logs | KYT engine | Hashed |
| PaymentReceipt set | Sui object pool | Frozen |
| Daily Merkle root | Splash batcher | Anchored |
| Encrypted blob | Walrus storage | Pinned 7y |
| AuditAnchor object | Sui mainnet | Immutable |
Zero gas fees. Persistent AI via MemWal. 4.8% yield on idle USD. Hot-potato atomicity that no other chain can offer.
The foundation — on-chain, compliant, atomic
The hackathon milestone — the full Splash stack
Full-scale global clearing
Phase 1 is live on testnet. Phase 0 corridors are clearing real volume. Talk to us about the seed round.
From supplier payouts to marketplace disbursements, Splash gives operators a faster way to clear, track, and reconcile cross-border USD payments — with AI that learns your patterns and on-chain receipts that prove every settlement.
"We pay 400 remote contractors across SEA every month. Splash cut our payroll run from 2 days of bank coordination to a single CSV upload. The batch settled in under a second."
"Our buyers are in the US. Our suppliers are in IDR. Splash bridges both sides with a transparent rate and an immutable receipt I can show any auditor."
"We disburse seller earnings across 6 corridors. The AI Copilot suggested batching 5 Philippine payments on Tuesday — saved $140 in FX spread that week alone."
A focused team combining deep experience in traditional banking, Sui Move engineering, and high-performance product delivery.
Founder & CEO
Ex-Citibank · Ex-Relationship Manager for JP Morgan. Built the original Splash thesis on cross-border B2B payments.
Senior Backend Engineer
Ex-Google Malaysia. Distributed systems and high-throughput payment infrastructure.
Fullstack Engineer
40+ global hackathon winner across every major chain. Ships full-stack product end-to-end.
Smart Contract Engineer
40+ hackathon winner · Move expert · Ex-Superteam University Lead. Owns the Sui Move stack.