Settlement and destination continuity
Settlement preserves exact Phi units with a source-supported dollar presentation. A receiving implementation must preserve the required ownership, value and history under the applicable continuity law. A valuation and an available payment destination remain separate facts.
See how value is calculatedReserve
Reserve identifies proof-backed funding with its admitted origin and current ownership. The source classification follows the funds through their supported use. Asset ownership, purchase terms and transfer rights remain recorded in their corresponding originals. Funds become available through the verified funding result. Subsequent payments carry their source basis forward.
How notes work
Choose one amount. Your account uses Reserve first and Settlement for any remainder. One Settlement Note carries the funded amount. Its original proof preserves the exact funding composition and source relationships. Keep the original file intact.
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.
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.
Inspect the Note continuity standardDevice 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.
Check this device’s evidenceThe receiving standard
Your money travels with its proof. The Original carries the exact value, ownership and history independently of the interface. Share a completed Note directly, including person-to-person offline delivery. Use Bankeiz for convenience, reuse the open-source code or integrate reality-grade banking into software you already use. Receiving implementations preserve the complete proof as they handle the value.
Explore the public ledgerWhat a receiving institution must preserve
Keep the proof. Keep the value. An institution handling the money preserves the exact source, identity, ownership, value and history so the same proof-native value arrives intact. Conformance demonstrates that preservation for the exact receiving capability, implementation and version. Bankeiz handles the standard for its users. An independent institution demonstrates the same applicable requirements through its own implementation and evidence.
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.