provider
The result arrives through the service.
Connected to a provider.Reality-Grade Banking
Built on ReceizA payment provider tells your business a payment happened. Reality-Grade Banking delivers the financial Original, its ownership, its source and the evidence necessary to verify and transfer it.
The result arrives through the service.
Connected to a provider.The value arrives with its evidence.
Connected to the value itself.
01 / Same payment. Different architecture.
A restaurant receives $250. Follow the same commercial transaction through two different receiving systems.
Traditional provider integration
A supported payment method starts a $250 payment.
Reality-Grade Banking
A legitimate $250 proof-native payment is initiated.
Same commercial purpose. Different receiving architecture.
Provider integration:You received a payment through a service.
Proof-native integration:You received independently verifiable financial value.
Conventional systems establish financial ownership, accounting records and legal settlement. Services and rails differ. This comparison concerns proof portability and independent receiving.
02 / The useful difference
The first payment gets value into the merchant’s hands. The second payment reveals the architecture.
A restaurant receives $250. It pays its supplier $180. The supplier pays its distributor $120. The distributor pays a contractor $70.
Each recipient independently verifies the necessary evidence and accepts the next ownership state. The original payment provider is not required to authorize every subsequent proof-native transfer.
$250 received
One source lineage. Multiple legitimate transfers.
Independent receiving. Continuous proof.
Less work between payments
Keep the evidence instead of reconstructing the story. Reuse the receiving contract instead of creating a separate proof system for every application.
Less custom integration. Less history reconstruction. A clearer path to the next payment.
Actual time, fees and operating costs depend on the implementation and rail. No numerical savings are assumed.03 / The network grows through relationships
Your supplier does not need a Bankeiz username for you to start with their email. The invitation brings them to the receiving steps.
They already have a reason to receive the payment. The invitation opens the verified recipient’s account with its recorded funds. Their next payment follows that account’s supported financial contract.
Deterministic demonstration · No money movesThis is a demonstration of recorded-account email payments and a verified Bankeiz handoff. It sends no email and creates no account or payment. Native proof receiving is a separate financial operation.
An email delivers the invitation. It is not an ownership credential.
The recorded-account route commits payment to the legitimate recipient account before sending the invitation. The verified handoff opens that same account; it does not credit the payment again. Invitation expiry governs access to the link, not cancellation of the recorded payment. Independent native receiving must satisfy its own custody and consumption contract. Read the receiving requirements
04 / Open the evidence
The balance is what you see. The Original establishes what it means.
The card is a teaching view of the contract. It is not a sealed payment record or spendable source.
The exact enclosing Original, its admitted value source and canonical trust bindings.
sourceProofObjectId · sourceValueHead · pinned rootsInspect the actual contractThe receiving subject and application are bound to the operation. Signing consent belongs to the authorized participant.
applicationId · destinationSubjectId · participantIdInspect the actual contractCurrent source and destination heads must match the actual participants. An account login or a plan alone does not transfer ownership.
expectedParticipantHeads · expectedDestinationHeadInspect the actual contractKaiSigil-bound KKS evidence establishes legitimate causal ordering. A local timestamp is a display, not temporal authority.
Verified KaiSigil-bound KKS coordinatesInspect the actual contractReserve preserves its original funded dollar denomination. Settlement preserves its exact native Phi amount. Mixed Notes carry every funding part.
Explicit rail · amountPhiMicro · Note fundingPartsInspect the actual contractThe exact predecessor, committed participant transitions and canonical recovery are retained for the next authorized operation.
transitionSet · committedTransitions · canonical recoveryInspect the actual contractCheck authenticity, current authority and the accepted transition separately. An inspection report cannot mint spend authority.
verifyTransitionSet → qualified commit → receiveReserve / receiveSettlementInspect the actual contractThree distinct checks. A genuine Original is not automatically available to spend.
05 / One standard. Independent implementations.
Bankeiz is a reference financial application. Receiz provides the proof infrastructure. Reality-Grade Banking defines the receiving requirements.
Bankeiz implements the receiving requirements. The Original is the center of the architecture.
Another developer can build another application. Another institution can build another receiving system. They do not need to copy Bankeiz’s interface or operate on Bankeiz servers.
Each must preserve the necessary evidence and satisfy the applicable authority, ownership, custody and continuity requirements. Qualification applies to the exact capability, build and operating environment.
Different applications. Same necessary evidence.
Independent verification.
06 / For developers
Your application becomes a conforming receiver of independently verifiable financial value. The installed SDK already provides the verification and edge-value primitives.
import type {ReceizClient} from '@receiz/sdk';
type Edge=ReceizClient['value']['edge'];
type AdmittedInput=Parameters<Edge['planReserve']>[0];
type CommittedRecoveryInput=Parameters<Edge['createRecovery']>[0];
// The host supplies admitted sources and binds the exact amount, rail,
// participant heads, application and consent. A plan is not a payment.
export async function inspectBothReceivers(edge:Edge,input:AdmittedInput){
const wrapper=await edge.planReserve(input);
await edge.inspect(wrapper.plan,{
participantId:wrapper.sourceParticipantId,expectedRail:'reserve',
});
await edge.inspect(wrapper.plan,{
participantId:wrapper.destinationParticipantId,expectedRail:'reserve',
});
return wrapper;
}
export async function prepareExactTransition(edge:Edge,set:unknown,applicationId:string){
const verified=await edge.verifyTransitionSet(set,{audience:applicationId});
return edge.prepareCommitSet(verified);
}
// Between preparation and recovery, the qualified host store must atomically
// commit ALL participants or NONE and retain real SDK-issued custody.
// No generic SQL callback or caller-created object can replace that boundary.
export async function receiveActuallyCommittedValue(
edge:Edge,committed:CommittedRecoveryInput,senderParticipantId:string,receiverParticipantId:string,
){
const recovery=await edge.createRecovery(committed);
// The host must durably retain this exact recovery before confirmation.
// These fragments expose SDK boundaries, not a complete host adapter.
await edge.confirmReserveSend(recovery,{
applicationId:committed.applicationId,
participantId:senderParticipantId,
});
return edge.receiveReserve(recovery,{
applicationId:committed.applicationId,participantId:receiverParticipantId,
});
}
Three type-checked SDK fragments. The host first admits the exact sources and creates the authorized transition set through the canonical source and signing workflow. It then supplies qualified all-participant atomic commit custody and durably retains canonical recovery. A JSON receipt or database response cannot replace those boundaries. Settlement uses the corresponding explicit Settlement methods.
The SDK capabilities are implemented. An institution must integrate and qualify its own custody and receiving environment; the published reference profile does not award an institution a production conformance badge.
07 / The business decision
| The question | Traditional provider integration | Reality-Grade Banking integration |
|---|---|---|
| What is integrated? | A provider’s payment services and network. | Published proof-native receiving requirements. |
| What is received? | A payment result and value under the service’s settlement arrangement. | The financial Original and its accepted ownership transition. |
| Who verifies? | The provider and participating financial infrastructure. | A conforming receiver checking the necessary evidence. |
| Where is the history? | Provider, banking and accounting records. | Proof-native continuity preserved with the Original and recovery. |
| Can another implementation receive? | Through the supported services, integrations and rails. | Through its own implementation of the receiving contract. |
| What happens after payment? | Funds are used through the financial rails available to the merchant. | Accepted native value can move onward under its proof-native rules. |
| What does the merchant depend on? | The capabilities, balances and settlement arrangements of its services. | The accepted Original, qualified custody and applicable receiving and consumption rules. |
| Who defines the integration? | The provider’s supported integration contract. | Published, independently implementable receiving requirements. |
The difference is what the recipient
can do with the value afterward.
08 / A complete restaurant example
The customer pays $100 once. Follow five onward payments and see where every dollar remains. No value is counted twice.
The initial value is held by the restaurant.
Demonstration lineage · no financial hash or live verification claim
$100 total value held across all six participants · counted once
The customer paid once.
The value kept working.
09 / Institutional adoption
A bank can implement the receiving standard. A merchant can operate its own receiver. A software company can build its own proof-native wallet.
Verify → accept → preserve → transfer
Verify → accept → preserve → transfer
Verify → accept → preserve → transfer
The network grows through conformance,
not permission.
No Bankeiz authorization hub is required for every proof-native transition. Each participating receiver must meet the applicable receiving and qualification requirements.
10 / Funding and circulation
An eligible conventional payment can introduce funding. The admitted proof-native value can then continue through legitimate transfers without recreating that original fiat payment.
The funding source remains part of the provenance. It does not have to operate every future exchange. The applicable receiving contract governs ownership, exact denomination and each accepted transfer.
Card funding can be reversed. A later reversal remains evidence with applicable financial obligations; it does not automatically rewrite completed native transfer history. This architecture is not a general promise that each holder can demand the original fiat from Bankeiz.
11 / Beyond checkout
A provider connects a transaction to its services and supported network.
The receiver verifies the source, accepts ownership and keeps the evidence.
Another conforming implementation accepts the next legitimate transition.
Reality-Grade Banking
Verify its source. Establish its ownership. Preserve its history. Transfer its value. Pay your suppliers, pay your contractors and connect independent applications.
A customer initiates a legitimate payment. Follow the evidence through the next recipients.
THE MONEY MOVES.
THE PROOF REMAINS.
THE ECONOMY CONTINUES.
One receiving standard. Independent implementations.
Value that carries its own proof.