Fintech Super-App · Business DNA

    The Financial OS
    for Global Business

    One super-app aggregating every payment rail, blockchain, and financial protocol — orchestrated by AI. Accept anything. Send anywhere. Own your data.

    190+
    Countries
    10K+
    TPS
    <$0.01
    Per Transaction
    50M+
    Acceptance Points
    01 — Global Coverage

    Global Offices & Partner Network

    MyBusiness operates through regional hubs on 5 continents — backed by partnerships with the world's leading payment networks, exchanges, and compliance providers.

    🗽
    New York
    Americas
    North & South America hub
    🏛️
    London
    Europe
    EU & UK operations centre
    🦁
    Singapore
    Asia Pacific
    SEA & Pacific corridor
    🏙️
    Dubai
    Middle East
    MENA & Central Asia hub
    🕌
    Istanbul
    Turkey & Black Sea
    Turkey, Balkans & Black Sea hub
    🏔️
    Tbilisi
    Caucasus & CIS
    Caucasus & Central Asia hub
    Certified Partners
    VisaCard
    MastercardCard
    UnionPayCard
    RippleCross-Border
    AlipayWallet
    WeChat PayWallet
    ChainalysisCompliance
    BybitExchange
    LayerZeroBridge
    CoinbaseExchange
    BinanceExchange
    StripePayments
    Not a replacement — an orchestration layer
    We sit on top of SWIFT, SEPA, Visa, Mastercard, UnionPay, and 15+ crypto rails. Your counterparty doesn't need a MyBusiness account to receive funds.
    SWIFTSEPAACHVisaUnionPay+10 more
    02 — Digital Sovereignty

    Zero Tracking. Full Encryption.

    Your business data is yours — accessible by regulators only when legally mandated.

    E2EE Encrypted
    No Central Server
    Decentralised Nodes
    🔐
    Matrix E2EE Protocol
    Fully encrypted, decentralised. No single server. No wiretapping.
    🚫
    Zero Tracking Scripts
    No Google Analytics. No Meta Pixel. Isolated infrastructure.
    ⚖️
    Privacy vs. Compliance
    Identity visible only to licensed regulators via PolR mandate.
    🏛️
    Regulatory-Ready
    PolR ensures compliance obligations met automatically.
    03 — AI Smart Routing

    AI Routes Every Dollar Optimally.

    Our routing engine scans 20+ exchanges simultaneously and finds the optimal path in milliseconds.

    💳
    01User initiates
    Pay in any fiat from any card or wallet
    🤖
    02AI scanner
    Scans 20+ CEX & DEX exchanges simultaneously
    ⚡
    03Best rate found
    Lowest spread + fastest confirmation selected
    ✅
    04Settlement
    Counterparty receives fiat, crypto, or ICG
    🤖
    Instant AML / KYC
    Verified in 0.5 seconds via Chainalysis + PolR
    💰 Savings Calculator
    Volume$10,000
    $280
    Traditional (2.8%)
    $10
    MyBusiness (0.1%)
    $270
    You save
    04 — PolR Blockchain

    Enterprise Blockchain. Not Another L1.

    PolR (Proof of Identified Roots) — 10,000+ TPS, fees under a cent, AML built into the protocol.

    Trust Hierarchy
    🏛️
    Root 1Sovereign Authority
    Government / Regulatory body
    🏦
    Root 2Central Banks
    Central bank / Treasury
    🏢
    Root 3Licensed Institutions
    Banks, exchanges, licensed operators
    🏪
    Root 4Business Attestors
    Verified businesses & master merchants
    👤
    Root 5Verified Users
    End users who passed WIP onboarding
    Blockchain Comparison
    Feature
    Bitcoin
    Ethereum
    MyBusiness
    Speed (TPS)
    7
    30
    10,000+
    Fee per tx
    $2–$50
    $1–$15
    <$0.01
    Energy
    110 TWh/yr
    ~10 TWh
    Minimal
    Anonymity
    Pseudonymous
    Pseudonymous
    Controlled (AML)
    Governance
    Miners
    Validators
    Gov + Consortium
    51% Attack
    Vulnerable
    Vulnerable
    Protected via Root 1
    05 — Bridging Hub

    One Integration. Every Rail.

    Connect once and route through the optimal combination of financial rails, crypto bridges, and QR payment systems worldwide.

    10 shown · click to expand banks
    Choose a region
    Country counts reflect the selected payment rail and are capped at 15.
    SWIFT— Global
    SEPA— EU + EEA
    ACH / FedWire— Americas
    Real-Time Pay— 40+ countries
    QR & NFC— Asia + Global
    Crypto Bridges— All jurisdictions
    06 — API Sandbox

    Build the Next Fintech Product.

    REST API + WebSocket. Full sandbox with mock tokens. Ship your MVP in days, not months.

    💳
    Card Issuing API
    Issue virtual & physical cards under your brand
    📄
    QR / Invoice
    Dynamic payment requests, any amount any currency
    🪪
    KYC-as-a-Service
    PolR identity verification with AML built in
    🏗️
    Sub-Wallet Architecture
    Isolated wallets per user, merchant, or department
    Become a Master Merchant
    Earn 0.1% revenue share on every transaction
    card-issuing.http
    POST /v1/card/issueAuthorization: Bearer sk_test_••••••{  "holder": "Acme Corp",  "currency": "USD",  "limits": { "daily": 5000 },  "kyc_tier": "polr_root4"}→ 200 OK{ "card_id": "crd_8F3B1C9A",  "status": "active",  "virtual_pan": "4111 •••• •••• 4242" }
    REST APIWebSocketWebhooksSDKs
    07 — Master Merchant & ICG

    Accept Everything.
    Settle in Gold.

    ICG (International Certificate of Gold) is a gold-backed stablecoin — 1 ICG = 1 gram of physical gold held in secure vaults. Inflation-proof. Globally portable.

    🥇
    1 ICG = 1 gram of gold
    Physical gold stored in certified vaults. Your earnings grow with the gold price. Auto-converter at checkout: fiat → ICG in one click.
    Inflation HedgeVault-backedInstant ConversionCross-border
    Accepted Methods
    Visa
    Mastercard
    UnionPay
    WeChat Pay
    Alipay
    ICG
    Merchant Fee Schedule
    Volume
    Standard
    In ICG
    Bonus
    < $10,000 / mo
    1.5%
    0.8%
    —
    $10K – $100K / mo
    0.8%
    0.3%
    Free API Access
    > $100K / mo (VIP)
    0.3%
    0.1%
    Dedicated PolR Node
    🔄 Auto-convert at checkout — Choose to hold earnings in ICG (gold), USDT, or fiat. The AI router executes conversion at the best available rate.
    09 — Root Program

    Validate Blocks.
    Earn ICG.

    Participate in PolR consensus and earn passive income in gold-backed ICG tokens. Stake your position, validate transactions, and grow your treasury — automatically.

    🏪
    Root 4 · Business Attestor
    0.05% on validated txns
    Requirement: Verified business entity
    👤
    Root 5 · Verified User
    5% APY on staked ICG
    Requirement: Passed WIP onboarding
    🔒 How it works: Freeze funds in a smart contract → Participate in block validation → Earn 5% APY paid daily in ICG → Unstake anytime with 48h notice.
    📊 Passive Income Calculator
    Staked in smart contract (USD)$5,000
    $500$100K
    $250
    Annual yield (5% APY in ICG)
    $21
    Monthly earnings
    11 — ERP Marketplace

    One-Click Integration
    for Any ERP.

    Pre-built connectors for SAP, Oracle, 1C, and more. Accept ICG payments directly at checkout in your existing ERP environment — no custom development required.

    REST ConnectorNative PluginCSV ImportReal-time Sync
    🔷
    SAP
    S/4HANA + ERP
    🔴
    Oracle
    Fusion + NetSuite
    🟨
    1C
    Enterprise Suite
    🟣
    Odoo
    Open ERP
    🔵
    Microsoft
    Dynamics 365
    🟢
    QuickBooks
    SMB Accounting
    Ready to Deploy

    Your Business DNA
    Starts Here.

    Join financial institutions, fintech developers, and enterprises already building on the most complete payment infrastructure ever assembled.

    🔐SOC 2 Type II
    ⚖️Multi-Jurisdiction Compliant
    🛡️PolR AML Native
    🌍190+ Countries
    ⚡99.99% Uptime SLA