Operational financial infrastructure for money, assets, payments, businesses and AI, live today, and deployed privately with licensed institutions.
This platform exists. CareCredits is live and in use now, with two pilots running, one in the EU and one in the UK. Institutional custody is deployed privately with licensed institutions. OneWorld is next. Everything runs on the same infrastructure, recorded on Armature L1, and post-quantum secure.
Money tooling was split between anonymity-first DeFi and “trust me” platforms, neither built for people, organisations and AI that have to answer for every move. Treasury is one place to manage, move, govern and create value, with the same guarantees underneath every product.
Wallets, exchanges and settlement engines for FX, securities, futures, options, bonds, tokens, stablecoins and cash. We co-brand them, white-label them, or deploy them under your own name. Two are named here: the one that is live, and the one we are pushing next.
White-label custody and corporate-treasury software for licensed institutions, banks and funds. Institutional wallets, MPC and post-quantum custody, deployed under the institution’s own brand and control. KXCO provides the software; the licensed institution holds the assets.
Treasury wallets are self-custody and multi-chain, identity-aware and compliance-enabled, for people and businesses who need self-custody and accountability. Swaps, yield and Travel-Rule support built in, on web, mobile and browser extension.
CareCredits, powered by KXCO, settles the flow of money through care: provider payments, insurance, patient funding and healthcare credits, on the same verifiable Treasury rails, so every payment for care is traceable and final.
Nothing in Treasury is take-our-word-for-it. Every action carries an identity and an authority, is sealed with a post-quantum signature, recorded on Armature L1, and stays independently verifiable, forever.
Post-quantum by default, not a migration bolted on later. Every signature uses ML-DSA-65 (NIST FIPS 204), so records are resistant to “harvest-now, decrypt-later”, captured today, broken once quantum capability arrives. Anyone can verify a record against a published public key, with no account and no trust in KXCO required.
A fair question when a platform touches money: who is actually responsible? The answer is deliberate and clear.
The same AI assistant runs across Treasury. Ask it in plain language and it acts within the limits you set, then settles the result on-chain and shows its work. It’s an assistant to the people accountable, not a replacement for them.
Underneath Treasury sits the KXCO ontology, the shared, provable model of reality. For an institution, a payment is never just a number moving: it resolves into the counterparties, obligations, exposure, authority and compliance around it, as one connected, navigable graph. Reason over your whole book, not a dozen disconnected systems.
Retail never sees this. In the wallet it simply works, the ontology runs underneath. The depth is there when an institution needs to reason over it, and invisible when a person just wants to move money.
Treasury is one of the core pillars of the KXCO infrastructure, and Meridian is the one beside it: Meridian carries the documents, the contract, the negotiation and the offer, and when a settlement occurs it returns to Treasury. The ontology grounds identity; identity establishes authority; authority governs Treasury; Treasury moves assets and payments, runs business operations and is assisted by AI, and every layer anchors to Armature L1. Hover a layer to inspect it; trace the stack top to bottom.
CareCredits is live and in use today. Book a demonstration of Treasury for your business or institution, and see where a settlement goes when the deal is done.