Choose an amount
Create a Note from your account by entering one amount. Your account supplies Reserve first and Settlement only for any remainder. There is no funding selector. Creation moves the approved amount into the Note only when issuance completes; a preview has no spendable value.
One amount. One Note.
Choose the value you want to carry. The account handles the funding composition and preserves it in the original. Every new Note uses the Settlement Note name and design. Its carried proof preserves the exact Reserve and Settlement funding composition underneath. A fixed dollar denomination remains fixed; exact Phi units remain exact and their dollar reference follows the deterministic rate. Depositing a Settlement Note credits its funded units to the receiving account, with the source and history intact.
Send the addressed original
Use the recipient’s receiving request to prepare the addressed handover. Share its complete original file directly, including person-to-person delivery offline. Any medium that preserves the exact original can carry it. The accepted handover keeps the recipient, amount, source and history together. Bankeiz provides a convenient way to prepare, inspect and manage Notes.
One amount. Complete continuity.
Enter an amount; your account uses Reserve first and Settlement only for the remainder. Every Note is presented as a Settlement Note. Its original proof retains each funding source and the exact split. Reserve dollars stay fixed; Settlement preserves its exact Phi. The original proof carries the funding sources, recipient-bound handover and once-only deposit receipt.
Using Notes offline
Create, receive, send and deposit through one interface. A completed account-destination Note can be verified and saved offline without receiver custody enrollment. Its value is shown as Received Notes; the exact deposit reconciles on connection before an account payment or a new Note uses that balance. Creating new spend authority offline requires conforming protected custody and already prepared resources. A copy cannot change the recipient or create another credit.
Device integration and availability
Conformance applies to the exact implementation, build, trust policy and recovery behavior. A device or browser path must demonstrate the standard, rather than rely on its name or advertised features. The opt-in device check is a nonfinancial diagnostic. The Conformance workspace publishes implementation responsibilities, original-proof formats, assessment boundaries and a request for the responsible platform team. Account receipt and connected creation are implemented in the v129 host composition. Physical-device and deployed financial qualification remain release requirements.
Keep a recoverable result
Retain the original Note, its receiving proof and any unfinished attempt. If issuance or deposit loses its response, resume that same operation. Do not discard an unknown funded result or clear device state to force a new attempt.
The qualification boundary
Connected creation uses Receiz’s once-only connected authorization and does not require a custody conformance Face ID prompt. Receiving and retaining a completed account-destination Note also requires no custody enrollment. Creating new spend authority fully offline requires conforming protected state and prepared resources. A device check is an optional diagnostic, not a payment or universal certification.
Your money. In one Settlement Note.
The money and its proof travel together.Illustrative $100 design. Unissued specimen, with no spendable value. The original preserves its exact funded units and source history.
Ready to give.
Start with a completed Note addressed to the recipient. Its Original carries the amount, source and accepted handover.
Pass it directly.
Deliver the complete Original person to person using an offline file transfer. Either person can carry it without opening a banking application.
Keep the money and proof.
The recipient keeps the addressed Note and its complete history. Banking applications provide convenient tools for verification, account deposits and managing what comes next.
Method, sources and assessment
This explanation describes the supported implementation. Exact protocol requirements come from the pinned Receiz contracts and original sources. A reference result does not qualify a production deployment or a physical device.