Product · Settlement
Non-custodial settlement, on the rail your deal needs.
One RailAdapter, many rails. A bank vIBAN by default; stablecoin opt-in for cross-border. Funds are always held by a regulated partner — never by Pontis.
Authorise vs. confirm
The distinction that keeps Pontis non-custodial.
Pontis authorises release; the partner moves the money; the milestone settles only on confirmation. A double-entry ledger keeps the books balanced (Σ debits == Σ credits) at every step.
Rails
Routed per currency and tier.
| Rail | Best for | Custody | |
|---|---|---|---|
| vIBAN escrow | Bank (Swan EUR / Hypothekarbank CHF) | Default for most deals | Partner-held |
| PISP / SDD | Open-banking initiation | Lower-friction funding | Partner-held |
| Stablecoin | EURC / regulated stablecoin | Cross-border, opt-in | Partner / qualified custodian |
| Legal-only | No escrow | Enforceability without funds movement | n/a |