Validation & design
Architecture review, threat model, legal classification, data map, partner RFI, product requirements, and IP integration plan.
Exit evidence
Approved target operating model, risk register, partner shortlist, pilot KPIs.
For Merchants & Developers
Ship it inside your app, not beside it
An embeddable SDK, prebuilt components, and a provider-agnostic banking layer — so you add wallet, checkout, offers, and loyalty to the experience you already own.
What you get
Six building blocks
Each is usable on its own. Together they close the loop from signal to settled outcome.
Embeddable SDK
Prebuilt components for wallet, payment, offer, loyalty, referral, and portfolio functions — dropped into your existing app rather than a separate destination.
Campaign-level signal IDs
SYNC Signal identifiers connect specific media assets to activated offers and the outcomes that follow them.
Settlement controls
Merchant settlement rules, payment links, refund logic, a store-credit ledger, and webhook-confirmed payment status.
Configurable loyalty
Rewards, tier progression, quests, referral incentives, claim limits, and redemption rules — all configurable per programme.
Channel reporting
Compare channels using verified exposure and activation metrics rather than relying only on clicks.
Provider-agnostic banking
A normalised FiatBankingService interface covers accounts, ACH and real-time initiation, card events, conversion quotes, and reconciliation — so no single provider is hard-coded.
Implementation roadmap
Every phase exits on evidence
No phase advances on a deadline alone. Each one has stated exit evidence that has to be produced before the next begins.
Phase 00–60 days Phase 160–120 days Closed pilot
Wallet onboarding, USDC test flow, sponsored fees, merchant checkout, basic rewards, one signal-enabled campaign, sandbox bank integration.
Exit evidenceSuccessful end-to-end test, reconciliation, permission evidence, security findings closed.
Phase 24–9 months Controlled production
Limited users and merchants, production KYC/KYB, deposit and funding rail, monitoring, support, two or three measured channels.
Exit evidenceStable settlement, measured activation and outcomes, acceptable fraud and support metrics.
Phase 39–18 months Scale & cards
Expanded merchant SDK, sponsor-bank scale, card programme if approved, real-time rails, additional channels, and Signal Emitters.
Exit evidenceUnit economics, service levels, compliance examinations, partner capacity, retention.
Provider-agnostic banking
No single bank is hard-coded
SYNC implements a normalised FiatBankingService interface rather than binding to one institution — covering account creation, funding, ACH and real-time initiation, wire status, card events, balance feeds, conversion quotes, webhook verification, reconciliation, holds, returns, and compliance case state.
This lowers switching risk and supports a staged launch. Partner capabilities, pricing, charter status, insurance structure, and digital-asset policy are verified through diligence and written agreement before any provider goes live.
Questions
Integration, plainly
No. The SDK and prebuilt components are designed to be embedded in your own app and commerce environment. The wallet, checkout, offers, and loyalty surfaces run inside your brand experience.
Scope a closed pilot
Freeze the minimum pilot scope, complete the technical and legal gap assessment, and define a measurable closed-loop campaign with a control group.