Cash, crypto and tokenized securities
Every trade, shown to its last step.
CPAY keeps your money and your securities on one balance, then shows who handled each step of every order and how long it took.
Sandbox prototype. No real funds are held.
Net worth, sample portfolio
$48,260.12
- Cash
- $12,400.00
- Crypto
- $19,681.12
- Securities
- $16,179.00
Buy 12 units, T-bill token
Sample order
Order placed
You
0s
Matched
Broker-dealer
2s
Cleared
Clearing agent
41s
Custodian confirmed
Custodian
now
Token minted on-chain
Chain 4 of 12 confirmations
--
Settled
CPAY ledger
--
- Held by
- A named custodian, in your name
- Moved on
- Public chains, with a hash you can open
- Checked by
- Address check before every send
- Recorded as
- A timestamped trail for each order
One balance
See what you own, and who holds it.
Dollars, stablecoins, crypto and tokenized securities sit in one list. Each line says where the asset really lives, so nothing is a guess.
| Asset | Held by | Value | Day |
|---|---|---|---|
| US dollarsUSD | Meridian Bank | $12,400.00 | +$0.00 |
| USD CoinUSDC | On-chain, your wallet | $6,250.00 | +0.01% |
| BitcoinBTC | On-chain, your wallet | $9,120.40 | +1.8% |
| EtherETH | On-chain, your wallet | $4,310.72 | -0.6% |
| Tokenized 3-month T-billTBILL | Custodian, in your name | $9,979.00 | +0.04% |
| Tokenized S&P 500 ETFSPX | Custodian, in your name | $6,200.00 | +0.7% |
Check an address before you send
Paste a wallet address. CPAY checks the format and shows the characters to match against the sender's screen.
Valid format: Ethereum-style address (ETH, USDC)
0x71C7 ... d8976F
Confirm these first and last six characters with the sender.
Security
Built so you can check it yourself.
CPAY is a sandbox prototype today. These are the rules the product is designed around.
- Securities are held for you, not by CPAY
- Every tokenized stock, ETF and T-bill names its custodian and token contract, with a plain-language line on who legally holds it.
- You see the address before money moves
- Sends show the network and the first and last characters of the destination, so a wrong chain or a swapped address is caught early.
- Every order leaves a trail
- Placed, matched, cleared, confirmed, minted, settled. Each step shows who did it and how long it took, and exports to CSV.
- Your account has a visible security score
- Two-factor keys, recovery phrase backup, signed-in devices and pending document requests sit in one checklist.
Questions, answered plainly.
Is CPAY live with real money?
No. CPAY is a sandbox prototype. Balances, orders and transfers run on a sample portfolio, and no real funds are held.
What is a tokenized security?
A stock, ETF or T-bill whose ownership record is represented by a token on a blockchain. A named custodian holds the underlying asset for you.
Who holds my securities?
A custodian, in your name. The trade review screen names the custodian and states in plain language who legally holds the asset before you confirm.
What does the settlement trail show?
Each stage of an order, who performed it and how long it took, from placement to on-chain mint to final settlement.
Which networks can I send on?
The sandbox supports Bitcoin and Ethereum-style networks. Every send shows the network and checks the address format first.
When can I try it?
Join the waitlist below and we will invite you to the sandbox as spots open.
Be first into the CPAY sandbox.
Try buying a tokenized T-bill and watch the settlement trail fill in. Sandbox only; no real funds are held.