KXCO Treasury

Payments, custody & banking.

Hold, move and settle money — for people, businesses, institutions and the AI agents acting for them.

Treasury is the money layer of the platform: self-custody by default, settled on a verifiable record, and built for regulated participants rather than anonymity — with quantum-safe key handling underneath.

Live Self-custody ~2-second settlement on Armature L1
Wallet Custody Settlement Payments Assets Governance
The Problem

Money tooling was built for anonymity or for "trust me" — not for you.

Money, custody and governance for people, businesses and AI agents are split between two worlds. DeFi-native tools were built for anonymity — powerful, but hostile to anyone who has to answer to a regulator. Centralized platforms were built on "trust me" infrastructure — convenient, until the day you find out your assets were never really yours.

Neither was built for regulated participants who need self-custody and accountability. And neither was built for post-quantum security — the keys protecting balances today rest on cryptography with a known expiry date.

As AI agents start to hold and move value on a person's or an institution's behalf, that gap becomes a liability: an agent needs a wallet with rules it cannot exceed, settlement it cannot fake, and an owner who stays accountable for every move.

Why It Matters

Built for the age of AI and quantum.

Quantum
Custody that survives the threat model
Self-custody and settlement are secured against harvest-now-decrypt-later — the strategy of capturing encrypted value today to break it once quantum capability arrives. Key handling is quantum-safe, so what you hold now stays yours later.
Blockchain
One settlement layer underneath
Armature L1 sits under the entire grid as the settlement layer — every payment, transfer and tokenised asset finalises on the same verifiable record, final in about two seconds, with no reversals and a public record anyone can audit.
AI
Wallets agents can be trusted with
This is where an AI agent holds and moves funds on a person's or institution's behalf — authorised to transact within limits you set, with every move settling on the record. Treasury handles the agent's wallet and funds; Nexus handles the agent's identity and authority.
The Tech

Self-custody, settled on a verifiable record.

The model is deliberately simple: you hold your keys, value settles on-chain, and the cryptography is built for the next decade.

Self-custody
Keys stay on your device, not with KXCO. Available on web, mobile and as a browser extension, with identity and payments built in.
Settlement on Armature L1
Value finalises on Armature L1 — final in about two seconds, no reversals, and a public record anyone can open and check.
Quantum-safe key handling
Key handling is built for the post-quantum threat model, so balances and transfers hold up as computing capability advances.
Nexus — identity & authority

Gives an agent a scoped credential: who it is, what it may do, and a human-accountable root it traces back to.

Treasury — wallet & funds

Gives that same agent a wallet with rules: it can hold and move value within the limits you set, and every move settles on the record.

Capabilities

The Treasury grid.

Some capabilities are live and public today. Others are built and available on engagement. Pick what you need.

Purse
Live
Your money, your keys
Hold and send Bitcoin and stablecoins in self-custody, invoice and get paid, and run a business straight from the wallet — on web, mobile and browser extension.
Open Purse →
CareCredits
Live
CareCredits, powered by KXCO
A home-care marketplace built on the Treasury rails — payments and settlement for care, on the same verifiable record.
Visit CareCredits →
Ontology
Live
The shared model of reality
The shared, provable model of reality that humans, institutions and AI reason over together — where parties, assets and events connect into one navigable map.
Explore the ontology →
Vault
On engagement
Custody software for institutions
KnightsVault — quantum-safe, white-label banking and custody software, deployed by licensed institutions under their own brand.
Contact us →
DeFi Wallets
On engagement
On-chain finance, self-custody
Wallets for interacting with on-chain finance directly — built and available on engagement.
Contact us →
Prediction Markets
On engagement
Markets on real-world outcomes
Take and settle positions on real-world outcomes on the platform's rails — built and available on engagement.
Contact us →
Swaps
On engagement
Exchange assets in-platform
Swap one asset for another without leaving KXCO's trust model.
Contact us →
DEX / CEX
On engagement
Exchange, either model
Decentralized and centralized exchange capability for building trading venues on the platform.
Contact us →
Bridges
On engagement
Move assets across chains
Move assets across chains without leaving KXCO's trust model.
Contact us →
Smart Contract Fund Creation
On engagement
Funds as code
Stand up funds whose rules are enforced by smart contract rather than by intermediaries.
Contact us →
Voting
On engagement
Verifiable on-chain voting
Run votes with outcomes recorded on the verifiable settlement record.
Contact us →
Governance
On engagement
Rules a group can rely on
Governance tooling for groups that need decisions and authority recorded and enforceable.
Contact us →

Capabilities marked On engagement are built and available today — reach out and we'll scope deployment for your use case. Descriptions here are category-level; specifics are covered in a briefing.

Who It's For

Regulated participants who want to actually own it.

Treasury serves anyone who needs self-custody and accountability in the same system — not one or the other.

Individuals Businesses taking payment Licensed institutions Custodians Marketplaces Fund operators AI agents holding & moving funds

Hold it, move it, and prove it settled.

Start with Purse, or talk to us about the rest of the Treasury grid for your business or institution.