# KXCO Treasury Treasury is an economic operating system for money, assets, businesses and AI. It is software licensed to institutions; KXCO holds no financial licences. Canonical HTML: https://kxco.ai/treasury Last modified: 2026-09-14 --- KXCO Treasury · Live Financial Infrastructure # Money, assets and AI under one set of rules. Operational financial infrastructure for money, assets, payments, businesses and AI, live today, and deployed privately with licensed institutions. This platform exists. CareCredits is live and in use now, with two pilots running, one in the EU and one in the UK. Institutional custody is deployed privately with licensed institutions. OneWorld is next. Everything runs on the same infrastructure, recorded on Armature L1, and post-quantum secure. Explore Treasury → Book a demonstration → AI-connected Recorded on-chain Post-quantum secure Live products in use Armature L1 settlement Post-quantum secure Public verification AI-native White-label deployment One Platform ## Not a wallet. Not a bank. An operating system for value. 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. AI-connected An assistant in every product Every Treasury product speaks plain language. Ask it to pay approved invoices, forecast cash flow or move idle cash into yield, it acts within the limits you set. On-chain Recorded on Armature L1 Every payment, transfer and posting finalises on one verifiable record, final in about two seconds, no reversals, auditable by anyone with the right to look. Post-quantum Secure for the next decade Key handling is built for the post-quantum threat model, so what you hold and move today stays yours as computing capability advances. The Platform ## Every kind of value that moves between people. Wallets, exchanges and settlement engines for FX, securities, futures, options, bonds, tokens, stablecoins and cash. We co-brand them, white-label them, or deploy them under your own name. Two are named here: the one that is live, and the one we are pushing next. Live Today Live and in use CareCredits Live now Healthcare settlement, powered by KXCO Provider payments, insurance, patient funding and healthcare credits, settled on Treasury rails. Two pilots run live today, one in the EU and one in the UK. Healthcare settlement Insurance Provider payments Patient funding Healthcare credits Next The one we are pushing OneWorld In build Fiat and stablecoin, on ramp and off ramp Virtual banking through our partners, moving money between fiat and stablecoins in both directions. It brings the banking and remittance layer to CareCredits. On ramp Off ramp Virtual banking Remittance Through our partners Institutional custody Enterprise Treasury ## Institutional custody & treasury, quantum-resistant. 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. Capabilities Custody & institutional wallets , MPC key management and post-quantum custody. Corporate treasury , balances, approvals and treasury operations at institutional scale. For regulated entities , banks, funds and licensed custodians, on their own licences. On-chain settlement , every operation finalises on the verifiable record. Built · enterprise deployment. In use with licensed institutions, book a briefing to scope a deployment. Bring us your question → In practice, custody Illustrative Withdrawal request 2-of-3 approved Signed ML-DSA-65 Settled on Armature L1 2.1s Custody balance Reconciled Who it’s for Licensed institutions Banks Funds Custodians Corporate treasuries Key benefits White-label Deployed under the institution’s own brand. MPC custody Distributed key control, no single point of failure. Post-quantum Custody that survives the quantum threat model. Software, not operator The institution holds assets on its own licence. Wallets Self-custody, multi-chain ## Self-custody that answers to the rules. Treasury wallets are self-custody and multi-chain, identity-aware and compliance-enabled, for people and businesses who need self-custody and accountability. Swaps, yield and Travel-Rule support built in, on web, mobile and browser extension. Capabilities Self-custody, multi-chain , your keys, across chains, on every surface. Swaps & yield , exchange assets and put balances to work without leaving the verification model. Identity-aware & compliant , KXCO identity built in; Travel Rule where it applies. Run a business from the wallet , invoice, get paid and settle on-chain. Live today. Available now on web, mobile and as a browser extension. Open the wallet → In practice Illustrative Payment link created $250.00 Invoice #1042 Paid POS sale Settled Merchant payout On Armature L1 Who it’s for Individuals Businesses taking payment On-chain natives Regulated participants Key benefits Your keys True self-custody, keys stay on your device. Compliant by design Identity-aware, Travel-Rule ready. Multi-chain One wallet across the chains you use. ~2-second settlement Finalises on Armature L1. CareCredits Healthcare Financial Platform ## The money layer for healthcare. 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. Capabilities Healthcare settlement , money moves between patients, providers and payers on one record. Insurance & provider payments , claims and disbursements settled on-chain. Patient funding , fund care with transparent, auditable credits. Healthcare credits , a purpose-built unit for care spending. Live today. CareCredits, powered by KXCO, is available now. Visit CareCredits → In practice, CareCredits settlement Illustrative Patient funds care $1,200 Provider paid Settled Insurer reconciled Matched Recorded on Armature L1 Anchored Who it’s for Care providers Patients & families Insurers Home-care marketplaces Key benefits Traceable Every payment for care on one record. Final ~2-second settlement, no reversals. Purpose-built Credits designed for care spending. Powered by KXCO On the shared Treasury rails. Proof · Post-Quantum ## Every action is proven on Armature L1. 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. Identity Who is acting Authority What they may do Treasury Action Pay · move · post Signed ML-DSA-65 Recorded On the ledger Armature L1 ~2s finality Verified Forever By anyone 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. The Deployment Model ## KXCO builds the software. Licensed institutions run the services. A fair question when a platform touches money: who is actually responsible? The answer is deliberate and clear. “Are you a bank?” No. KXCO is a software company. We build the operating system, we do not offer banking or custody services ourselves. “Who holds customer assets?” The licensed institution that operates the service. KXCO never takes custody of customer assets or funds. “What is the custody software, then?” Enterprise software deployed by a licensed organisation under its own brand, licence and controls, running on its own infrastructure. “So what does KXCO supply?” The operating system : identity, authority, settlement on Armature L1, post-quantum security and the AI layer. The institution supplies the licence and the regulated service. AI Treasury Assistant ## Every product speaks your language. 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. Treasury Assistant CONNECTED · ON-CHAIN · POST-QUANTUM Ask Treasury anything… Ask in plain language Business “Show invoices overdue more than 30 days.” “Forecast cash flow for next quarter.” “Run payroll for the UK team.” Institution “Move excess cash into approved yield.” “Show counterparty exposure over 5%.” “Prepare month-end reconciliation.” Merchant “Create a payment link for $250.” “Settle today’s POS takings.” “Pay out to my connected account.” Healthcare “Reconcile this insurer’s claims.” “Release provider payments for approved care.” “Show patient funding still outstanding.” How it works Understands intent , plain language, no forms or query syntax. Acts within limits , bound by the authority and approvals you set. Settles on-chain , every action posts to the single ledger and Armature L1. Shows its work , every step is traceable and reversible before you confirm. For Institutions ## The ontology brings the payments system to life. 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. What institutions get Every transaction is connected , each payment links to the parties, assets and obligations it touches, automatically. Exposure & compliance are queryable , screen counterparties, test limits and trace authority in real time, across the book. One model, end to end , the same graph feeds settlement on Armature L1 and a tamper-evident audit trail. Provable, not asserted , relationships are recorded and verifiable, so an auditor or regulator can follow the same map you do. Retail never sees this. In the wallet 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. Explore the ontology → The Architecture ## Where Treasury sits in the KXCO platform. Treasury is one of the core pillars of the KXCO infrastructure, and Meridian is the one beside it: Meridian carries the documents, the contract, the negotiation and the offer, and when a settlement occurs it returns to Treasury . 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. ## Manage, move, govern and create value. CareCredits is live and in use today. Book a demonstration of Treasury for your business or institution, and see where a settlement goes when the deal is done. Open the wallet → Bring us your question → --- This Markdown mirrors https://kxco.ai/treasury. The HTML page is canonical. Site index for AI clients: https://kxco.ai/llms.txt Copyright (c) 2026 Knightsbridge Group and KXCO. All rights reserved. Read it, retrieve it, answer questions from it, and quote it with attribution and a link to the source URL: that is what it is published for, and no permission is needed. Not permitted without written permission: copying, mirroring or republishing it, using it to build a competing product, or reverse engineering any KXCO product from it. Those are terms of use at https://kxco.ai/terms and rights under copyright and database law. Full notice: https://kxco.ai/llms.txt