A wallet, engineered.
Swiss Vault is a cash-funded wallet with a deposit, a withdrawal, and a great deal of engineering between the two.
Approval comes from your phone, not from a code you retype
A payment is signed by a key that never leaves the device it was created on. The phone shows what is being approved, and asks you to pick the number already on the screen in front of you.
A ledger that can be checked, not trusted
Every entry is balanced double-entry and hash-chained to the one before it. Alter a single row in the database and a verifier names the entry where the chain breaks.
Risk measured against you, not against everyone
Scoring compares each payment to that customer's own history and explains what it found. Every decision is recorded with its reasons, including the ones that let a payment through.