Offline Is the New Online
Payment Payment continuity for a world where connectivity, power, and trust can’t be assumed
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Financial systems were built for constant connectivity. Fluency builds payment and settlement infrastructure that continues operating across outages, borders, and systems
Without reliance on a single network, cloud, or ledger.
Payment rails designed for continuity - enabling transactions to complete even when power, networks, or connectivity are disrupted.
Infrastructure for issuing, moving, and settling digital dollars and stablecoins across jurisdictions, platforms, and operating conditions.
Instant and final settlement without continuous connectivity, specialized hardware, or new device requirements.
A neutral coordination layer connecting banks, blockchains, payment networks, and market infrastructure without forcing system replacement.
Seamless movement between account-based and token-based systems, enabling shared liquidity, reconciliation, and settlement across rails.
Clearing and settlement systems designed to remain operational during cloud outages, network failures, and systemic stress.
Fluency enables millions of secure transactions to complete reliably,
even during outages, disruptions, or in fully disconnected environments.
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Tokenization and digital money are transforming high-value transactions and wholesale financing. Prepare for a multi-system future with the introduction of retail and wholesale CBDCs, tokenization, and next-generation cybersecurity.
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Fluency's innovative technology and thought leadership status have earned appointments by major central banks and regulators, such as the ECB, Bank of England, and US Federal Reserve, to the world's largest CBDCs and new financial system development projects.
Our innovative solutions include a patented offline technology, an alias lookup function, a seamless multi-asset settlement system, a secure payment information exchange, programmability and more. All at a scale of over 100,000 TPS.
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Universal networks will be the new foundation for financial markets. A highly interoperable set of networks (or possibly a single network) arises to facilitate liquidity. As finance becomes more peer-to-peer, protocols automate many of the services that intermediaries currently do. Partner with Fluency to ensure future-proof, seamless multi-system interoperability for all types of digital assets, including account and token value forms.
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Moving forward, banking methods of distribution will be digital, hybrid, and future-focused. Prepare for a multi-asset digital future. Implement multi-system interoperability providing you access to all types of digital assets including account and token-based assets.
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Offer everything merchants desire; no need to use numerous technology providers. Instead of paying many suppliers, move any form of money in and out with a single set of flexible and scalable APIs delivered by Fluency provided through a seamless single issuance layer. Issue e-money alongside multiple CBDCs, stablecoins, and cryptocurrencies. Increase revenue while ensuring compliance with new regulations facilitating offline payments.
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Streamline the risks and costs associated with multi-asset and multi-CBDC transaction processing, record keeping, and asset management operations by hosting electronic multi-asset wallets, seamless online and offline payments, and account and token-based asset interoperability, eliminating the costly need to use multiple technologies.
With CBDC adoption around the corner, partner with Fluency to minimize your reliance on multiple payment gateways. Optimise your asset management operations to boost your performance and revenue.
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Start by understanding how things will change and what can be improved across your business. Regardless of your role and how entrenched you are in the existing system, new form of money & tokenization will hit with game-changing impact. Get started today!
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