Operational financial infrastructure for money, assets, payments, businesses and AI — live today, and deployed privately with licensed institutions.
This platform exists. Purse and CareCredits are live and in use now; Vault is deployed privately with licensed institutions; OneWorld, Business OS and Knights Alpha are in private release. Everything runs on the same infrastructure — AI-connected, recorded on Armature L1, and post-quantum secure.
Money tooling was split between anonymity-first DeFi and “trust me” platforms — neither built for people, organisations and AI that have to answer for every move. Treasury is one place to manage, move, govern and create value, with the same guarantees underneath every product.
Six products on one ledger, one identity and one record. Some are live and in use now; one deploys privately with licensed institutions; the rest are in private release. Tap any product to see what it does.
OneWorld is the consumer front door to Treasury: banking, cards and payments alongside crypto, savings and FX — with an AI assistant that helps people budget, move money and grow it, all settled on the same verifiable record.
Vault is white-label custody and corporate-treasury software for licensed institutions, banks and funds. Institutional wallets, MPC and post-quantum custody, deployed under the institution’s own brand and control. KXCO provides the software; the licensed institution holds the assets.
Purse is a self-custody, multi-chain wallet that’s identity-aware and compliance-enabled — the DeFi wallet for people and businesses who need self-custody and accountability. Swaps, yield and Travel-Rule support built in, on web, mobile and browser extension.
Business OS runs the whole company on a single, on-chain ledger: accounting, invoicing, inventory, CRM, subscriptions, projects, payroll, manufacturing, POS and analytics. Not wallet functionality bolted on — a full enterprise resource planning system where finance, operations and settlement are the same source of truth.
A single transaction connects everything: the customer, the invoice, the payment, the ledger posting, the audit trail, the identity that signed it and the authority behind it — all anchored to Armature L1. Hover a node to inspect the relationship; trace a transaction end-to-end.
Knights Alpha turns an investment idea into an automated trading system — AI-assisted, but the trader stays in command. Generate a strategy, backtest it, review the risk, connect a broker and execute, then monitor performance. The AI does the heavy lifting; you make the call.
AI assists — the trader decides. Knights Alpha generates, tests and monitors strategies and hands you the analysis. You approve what goes live, set the risk limits, and keep control of execution. It replaces the grunt work, not the judgement. (Replaces the tool previously referred to as KnightsBot.)
CareCredits, powered by KXCO, settles the flow of money through care: provider payments, insurance, patient funding and healthcare credits — on the same verifiable Treasury rails, so every payment for care is traceable and final.
Nothing in Treasury is take-our-word-for-it. Every action carries an identity and an authority, is sealed with a post-quantum signature, recorded on Armature L1, and stays independently verifiable — forever.
Post-quantum by default — not a migration bolted on later. Every signature uses ML-DSA-65 (NIST FIPS 204), so records are resistant to “harvest-now, decrypt-later” — captured today, broken once quantum capability arrives. Anyone can verify a record against a published public key, with no account and no trust in KXCO required.
A fair question when a platform touches money: who is actually responsible? The answer is deliberate and clear.
The same AI assistant runs across Treasury. Ask it in plain language and it acts within the limits you set — then settles the result on-chain and shows its work. It’s an assistant to the people accountable, not a replacement for them.
Underneath Treasury sits the KXCO ontology — the shared, provable model of reality. For an institution, a payment is never just a number moving: it resolves into the counterparties, obligations, exposure, authority and compliance around it, as one connected, navigable graph. Reason over your whole book — not a dozen disconnected systems.
Retail never sees this. In OneWorld and Purse it simply works — the ontology runs underneath. The depth is there when an institution needs to reason over it, and invisible when a person just wants to move money.
Treasury is one of the core pillars of the KXCO Reality Infrastructure. The ontology grounds identity; identity establishes authority; authority governs Treasury; Treasury moves assets and payments, runs business operations and is assisted by AI — and every layer anchors to Armature L1. Hover a layer to inspect it; trace the stack top to bottom.
Start with Purse or CareCredits today, or book a demonstration of the full Treasury platform for your business or institution.