6.1 What’s Built Today (Pre-Revenue Status)

User-facing:

• Mobile + web app (Web2 UX, no wallet friction)

• Bank account creation (~10 min, individual & corporate)

• Virtual and physical debit cards

• Fiat ↔ crypto on/off-ramps (links, widgets, APIs)

• In-app swaps & bridges (best-price, privacy-enabled)

• Multi-currency balances (fiat, stablecoins, tokens)

• Veil Pay: universal stablecoin payment links (P2P, B2C, B2B)

• Rewards & benefits

• Simple KYC with privacy controls

Infrastructure:

• API gateway for partners and merchants

• Fiat rail orchestration (wires, cards, FX, settlement)

• Smart contracts for swaps, bridges, DeFi flows

• Privacy middleware (ZK, encryption, segmentation)

• Payment infrastructure for merchant settlements.

• Banking partnerships (e.g., Joint Development Bank, Visa live)

• Compliance stack (AML/KYC, on-chain monitoring)