What you have
Member expertise, completed deliverables and defined service commitments.
The work is done. The cooperative still needs paying. | Reality-grade banking
Connect member authority, defined services, accepted deliverables and payment evidence without giving up member control.
Skip to contentReality-grade banking · Worker cooperatives
The work is done. The cooperative still needs paying.
Members are delivering. Client payments arrive later. You need a clear record of what was agreed, who can approve it and what the cooperative is owed.
Connect member authority, defined services, accepted deliverables and payment evidence without giving up member control. Operate in the proof-native economy with your own governance and commercial decisions intact.
Your members already produce it.Give the value its next use.
Start with the business
you already have.
Which completed job is waiting for payment, and what does that hold up?
What you need
Equipment, workspace, specialist services and dependable client payments.
Who may fit
Housing, production, service and other worker cooperatives.
Less reconstructing.
A clearer handover.
Use the existing proof, ownership and receiving infrastructure against this operating problem.
Keep the agreement close
Carry the source, claim and accepted supporting evidence.
Preserve member authority
Use the identified signer and applicable ownership or execution boundary.
Make payment easier to follow
Share a clear payment request and retain its resulting record.
See your value
take its next step.
Follow one illustrative exchange. The goods stay distinguishable from the rights that move.
01Value02Proof03Transfer04Use
Illustrative process · No ownership or funds move here.Start with what is already there.
A crop. Finished stock. A service your members can deliver. Identify the source, the owner and the actual rights.
Keep the evidence with the value.
The proof object carries the asset, its source, ownership and accepted history. The next owner can inspect the Original.
Agree the exchange. Authorize the handover.
The buyer agrees the rights and terms. The transfer binds the current owner, recipient and predecessor.
Put the received value to work.
Exercise the claim or transfer it onward if its terms allow. Use funded Settlement when a monetary payment is agreed. Goods move under their delivery terms.
One exchange.
Clear terms.
Give the board and your trading partner a concrete starting point.
Choose one existing client and an agreed service with a clear acceptance point and payment route.
The right that could move: A defined service entitlement or accepted contractual delivery claim, where its terms permit transfer.
Payment: Member compensation and client obligations keep their actual contractual and payment terms.
Settlement: Members or suppliers can receive available Settlement where they consent and the payment path qualifies.
Existing obligations: Record payroll, tax and operating obligations with their agreed settlement terms.
What your team brings
- Set the service scope and acceptance evidence.
- Identify who can bind the cooperative under its own governance.
- Keep member compensation and any transferable client right explicitly separate.
Measure: Time spent reconstructing approvals, acceptance and payment.
Discuss this exchangeYour cooperative.
Your authority.
The infrastructure connects evidence and accepted transitions. It does not take over member governance.
The Original carries the source, current ownership and agreed terms. Use the existing infrastructure to define the operation, complete the exchange and retain its evidence.
Inspect the existing implementationSee where your cooperative
fits in the bigger picture.
Find the willing participants, the supported rights and the payments that still need their own route.
Producer & agricultural cooperatives Manufacturing cooperatives Wholesale & distribution cooperatives Energy cooperatives Housing cooperatives Cooperative federations & commercial networks
Explore the interactive commercial network The questions your board
will want answered.
Clear terms make the next decision easier.
Do we have to buy Settlement?
No. Start with the value your members already produce and the specific exchange or payment problem. The assessment identifies which existing capabilities apply.
Can inventory move without first selling it for dollars?
An admitted proof-native asset structure can transfer supported rights when ownership, authority, custody, permitted transfer and recipient acceptance are established. The transfer does not by itself establish physical delivery.
Does a dollar valuation mean dollars are backing the asset?
A USD reference expresses value in a familiar unit. The original records the actual funding source, rights and backing. Inspect those sources to see what supports the asset.
Does sealing an asset create money?
Asset sealing and monetary issuance are distinct operations. A displayed commercial asset value does not create Settlement funding. Monetary value follows the existing source and execution rules.
Can members pay one another with Settlement?
Yes, with available authorized value, willing recipients and an applicable qualified financial path. Receiving requirements remain attached to the actual operation.
Can we keep our existing bank and governance?
Yes. Participating organizations retain their assets, governance, members and commercial decisions. Workflows following the standard do not inherently require abandoning existing banking relationships.
Does the application own our assets or replace legal title?
No. The underlying source and applicable rights determine ownership. Legal title, warehouse custody, insurance and physical delivery retain their own evidence and commercial arrangements.
Can our developers inspect and integrate it?
Yes. The Bankeiz source, receiving standard and existing Receiz SDK, MCP and AI Skills can be inspected under their applicable licenses. Qualification is specific to the capability and operating environment.
Is Bankeiz a chartered bank?
Bankeiz is the open-source banking application built on Receiz. This page makes no claim of banking charter status or regulatory authorization. Regulated financial services need their applicable providers and permissions.
What does the integration assessment commit us to?
It starts a conversation about one concrete commercial problem. No application payment, asset transfer or financial commitment occurs here. Any scope, commercial terms and production requirements are agreed separately.
Reality-grade banking
The value was there
before the payment.
The food before the invoice. The equipment before the purchase.
The work before the paycheck. Put what your members already produce to work in the proof-native economy.