SafeBank
Investor & Partner Briefing · 2026
Programmable DeFi Banking

The financial
layer for the
internet economy.

Spend, settle, and move stablecoins globally through APIs, wallets, merchant payments, and banking rails — built for DAOs, fintechs, and merchants.

Real-time
Settlement
Multi-chain
Stablecoin Native
Global
By Design
Treasury · USDC
$ 12,480,250.00 USDC
Inflow + $214,400 · 24h
9:415G ▮▮▮
Good morning, Ava
$ 48,210.42USDC
+ 1.84% · 24h
•••• •••• •••• 4471
A. Mendoza
Recent activity
↗ Payroll · 142 contractors− 86,400.00
↙ Merchant settlement+ 12,304.18
⇄ USDC → EURC− 25,000.00
Tap to Pay · €
128.40EURC
Settled · <2s
SafeBank · 2026 safebank.ai
SafeBank
The Problem · 02
The Problem

Money still moves like
it's 1973.

Stablecoins crossed $200B in circulation, DAOs and crypto-native businesses hold billions in treasury, and merchants want internet-speed settlement. But the banking layer connecting them doesn't exist — and the legacy rails weren't built for it.

$200B+
Stranded Liquidity
Stablecoin supply with no native rails into merchant checkout or business banking.
3–5
Cross-Border Drag
Average settlement time in days for international B2B payments — typically at 5–7% all-in cost.
80%
DAOs Unbanked
Of crypto-native organizations operate without formal banking — no payroll, cards, or invoicing.
Problem safebank.ai
SafeBank
The Solution · 03
The Solution

One programmable layer between
stablecoins and the real world.

SafeBank is the programmable banking layer that connects wallets, stablecoins, and traditional rails into a single, compliant network — exposed as APIs for builders and as products for businesses and consumers.

Layer 01 · Apps Who uses it
DAOs Businesses Consumers Merchants Developers
Layer 02 · Core SafeBank
Programmable Accounts Cards & Spend Invoicing & KYC Payouts & FX Compliance Engine
Layer 03 · Rails Where it moves
USDC · EURC · PYUSD SWIFT · SEPA · ACH · RTP EVM · SVM · BTC · L2 Card Networks NFC Terminals
Programmable
REST APIs, webhooks, and policies for every money movement.
Compliant
KYC, Travel Rule, MiCA-aligned, SOC 2 — built in from day one.
Global
Designed for global, real-time, multi-currency stablecoin movement.
Solution safebank.ai
SafeBank
How Money Moves · 04
The Mechanics

How money moves through SafeBank.

Two end-to-end flows show how SafeBank orchestrates settlement between wallets, terminals, traditional rails, and stablecoin networks — in real time, with compliance built in.

Flow 01 — Consumer & Merchant
SafeTap merchant settlement
A wallet-linked card pays a merchant. Funds settle in stablecoin or fiat — instantly, with on-rail compliance.
01User WalletEVM · SVM · BTC
02SafeTap CardWallet-linked
03Merchant TerminalNFC · Tap-to-pay
04SafeBank SettlementRouting + compliance
05Merchant PayoutUSDC · EURC · Fiat
Flow 02 — DAO & Contractor
SafeInvoice contractor payout
A DAO pays a contractor through a KYC-verified invoice. Compliance, FX, and payout are programmable end-to-end.
01DAO TreasuryMulti-sig
02SafeInvoiceIssuer + payer
03KYC & ComplianceTravel Rule · MiCA
04SafeBank SettlementStablecoin · FX
05Contractor PayoutWallet or bank
How Money Moves safebank.ai
SafeBank
The Platform · 05
The Platform

One platform.
Three financial products.

SafeBank lets DAOs, fintechs, merchants, and developers move money programmatically — through stablecoins, traditional rails, and APIs on a single composable network.
Inputs · Connectivity
W
Wallets
EVM · SVM · BTC · L2
/>
APIs & SDKs
REST · gRPC · Webhooks
≡
Banking Rails
SWIFT · SEPA · ACH · RTP
$
Stablecoins
USDC · EURC · USDT · PYUSD
SafeBank
Settlement Core
SB
SafeBank
DAO & business banking
ST
SafeTap
Wallet-native spend
SI
SafeInvoice
KYC invoicing & payouts
● Real-time settlement · stablecoin-native · multi-rail
Outputs · Distribution
⊡
Merchant Terminals
NFC · QR · Tap-to-pay
⇄
Cross-border Rails
Global · real-time
⊙
Programmatic Payouts
DAO treasury · payroll
◇
On / Off Ramps
Fiat ↔ Stablecoin
DAO banking Stablecoin treasury Cross-border settlement Wallet-native payments Merchant processing Programmatic payouts
Platform safebank.ai
SafeBank
Core Product · 06
Product 01 — Banking

DeFi banking for
DAOs, businesses,
and developers.

A complete banking stack for DAOs and businesses — debit cards, credit lines, cross-border payroll, and multi-sig treasury — all programmable, stablecoin-native, and ready for the merchant terminal in every pocket.

DAO debit cards
spend stablecoins anywhere
Lines of credit
DAO-backed underwriting
Cross-border payroll
instant · stablecoin-native
Multi-sig wallets
policy & approval flows
Card loyalty programs
programmable rewards
Merchant terminal mode
NFC + QR · iOS / Android
app.safebank.io / treasury / overview
SafeBank
Overview
Accounts
Payments
Cards
Counterparties
Developers
Settings
Treasury · USDC + EURC
Acme DAO · Operations
24h 7d 30d All
Total balance
$ 12.48MUSDC
+ 4.2% 7d
Inflows
$ 2.14M
+ 18.6%
Outflows
$ 1.81M
+ 7.1%
Avg settle
1.84s
− 12%
Settlement volume · 7d
CounterpartyAmountRailStatus
↗ Payroll · 142 contractors− 86,400USDCSETTLED
↙ Merchant · TerraGoods+ 12,304EURCSETTLED
⇄ FX · USDC → EURC25,000SpotPENDING
Terminal Mode · Tap
128.40EURC
Café Riviera · Lisbon
Hold customer device near phone
SafeBank · Core Product safebank.ai
SafeBank
Consumer · SafeTap · 07
Product 02 — Cards

Tap. Pay. Settle.

Connect any wallet. Spend stablecoins at any merchant. Settled at the speed of the internet — through SafeTap virtual cards and wallet-native checkout.

Virtual debit cards
Mobile wallet integration
Wallet-linked spending
Stablecoin settlement
Merchant routing
Instant onboarding
Solana SOL · stablecoin-linked
Cardholder
A. Mendoza
Expires
04 / 29
USDC USD-backed stablecoin
Cardholder
Acme DAO · Ops
Expires
11 / 28
Worldcoin WLD · verified human
SafeTap
Cardholder
A. Mendoza
Expires
09 / 30
VISA
Card · Back SafeTap · Worldcoin
•••
Card Number
4471 2210 3389 0042
Expires
09 / 30
Network
Visa
Issued by
SafeBank
Authorization
Café Riviera
128.40EURC
SETTLED · 1.8s
SafeTap · Consumer Spend safebank.ai
SafeBank
Business · SafeInvoice · 08
Product 03 — Invoicing

Invoices that
settle themselves.

KYC verification, stablecoin invoicing, and fiat on/off ramps — composed into one programmable workflow for global contractor and B2B payments.

01
KYC-verified invoices
Issuer + payer attested
02
Wallet payments
EVM · SVM · BTC · L2
03
Stablecoin invoicing
USDC · EURC · PYUSD
04
Fiat on / off ramps
Global coverage
05
Global contractor payouts
Bulk + programmatic
06
Compliance-ready
Travel Rule · SOC2
● SOC 2 Type II ISO 27001 Travel Rule MiCA-aligned
Global payments with programmable compliance.
app.safebank.io / invoices / INV-2026-0418
INV · 2026 · 0418

Northwind Studios → Acme DAO

● KYC VERIFIED · BOTH PARTIES
Amount due
$ 24,800.00USDC
From
Northwind Studios Ltd.Lisbon · PT · VAT PT512098441
To
Acme DAO Operations0x9C2…D4f1 · Treasury Multisig
Line itemQtyRateTotal
Brand identity sprint114,40014,400.00
Product UI design · 6w61,4008,400.00
Motion + handoff12,0002,000.00
Pay with Wallet
Bank Transfer
Card
Signing transaction
0x9C2A…D4f1 → 0x4F8B…91Ac
24,800.00USDC
● BROADCAST · BLOCK 21,408,772
Compliance Flow
Identity verification
Issuer attested
EU · MiCA
Payer attested
Multisig
Travel Rule packet
Signed
4
Awaiting on-chain confirm
… 1.4s
SafeInvoice · KYC Invoicing safebank.ai
SafeBank
Fragmented Stack · 09
Market Position

A fragmented financial stack.
SafeBank is the orchestration layer.

No single provider covers the full workflow. Businesses today stitch together half a dozen vendors across payments, banking, stablecoins, compliance, and treasury. SafeBank unifies the workflow into one composable network.

Category
Card processing
Stripe · Adyen · Checkout
Category
Business banking
Mercury · Brex · Ramp
Category
Stablecoin issuance
Circle · Paxos · Tether
Category
Stablecoin orchestration
Bridge · BVNK · Conduit
Category
Invoicing & AR
Bill · Stripe Invoicing
Category
Treasury & multi-sig
Safe · Fireblocks · Utopia
Category
Compliance & KYC
Sumsub · Persona · TRM
Category
Merchant acceptance
Square · Sumup · CB Commerce
SafeBank
One composable network.
We orchestrate card processing, banking, stablecoin routing, invoicing, compliance, and treasury in a single programmable layer — so partners and customers integrate once, not eight times.
Fragmented Stack safebank.ai
SafeBank
Why We Win · 10
Defensibility

Why SafeBank wins.

Our moat is workflow — not blockchain. We're the only platform unifying programmable settlement, embedded compliance, and consumer + infrastructure products on a single API surface.

01
Phone-as-terminal
Every mobile phone becomes a programmable NFC merchant terminal — collapsing months of hardware procurement into an app install.
02
Programmable settlement
Policies, approval flows, and routing run as code — not as bank operations tickets.
03
Stablecoin-native compliance
KYC, Travel Rule, and MiCA built in from day one — no compliance bolt-on, no manual workflows.
04
Wallet-linked spending
Any wallet, any chain, spendable at any merchant. No bridges, no off-ramps, no third-party custody.
05
Unified API surface
One integration replaces eight — banking, cards, invoicing, compliance, FX, and treasury — under a single contract.
06
Consumer + infra together
SafeTap brings end-users; SafeBank brings infrastructure. Each side compounds the other's distribution.
Why We Win safebank.ai
SafeBank
The Ask · 11
Infrastructure Round · Pre-Seed

Raising
$500K.

Funding the settlement engine, merchant terminal pilots, compliance architecture, and stablecoin integrations that take SafeBank from prototype to production infrastructure.

Instrument
SAFE
Round Size
$500,000
Valuation Cap
$5Mpost-money · TBC
Runway
12–18 months
Target Close
Q3 2026
Minimum Check
$25,000
Use of Funds
Where it goes.
Product & Engineering50%
Settlement engine, terminal orchestration, treasury APIs, and SafeTap wallet infrastructure.
Compliance & Licensing25%
Travel Rule architecture, MiCA preparation, SOC 2 readiness, and banking partner integrations.
GTM & Partners25%
Merchant pilot programs, DAO onboarding, and stablecoin issuer + payment-rail partnerships.
Currently Building
Design partner programs
Merchant & DAO pilots in active scoping
Infrastructure integrations
Stablecoin issuer & payment-rail discussions
NFC terminal prototype
Tap-to-pay mobile mode in active development
The Ask invest@safebank.ai
SafeBank

Let's build the
financial layer for the internet economy.

Thank you. We'd love to talk.

✉invest@safebank.ai ↗safebank.ai
Programmable DeFi Banking Infrastructure · 2026