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1. Abstract

Veil Bank is a privacy-first, on-chain omni banking infrastructure that unifies regulated fiat rails, decentralized finance (DeFi) primitives, and agentic intelligence into a seamless financial operating system for a borderless world.

Traditional financial systems and cryptocurrency platforms have fundamentally failed to address the core needs of globally mobile users and crypto-native businesses:

  • Fragmentation: Users juggle multiple banks, exchanges, wallets, and compliance regimes.

  • Surveillance: Both traditional finance and most crypto on-ramps rely on excessive data collection.

  • Friction: Cross-border payments, settlements, and fiat↔crypto conversion remain slow, expensive, and complex.

  • Passivity: Financial tools are reactive; no unified system enables autonomous treasury management or intelligent spending.

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Veil's Solution

Veil solves this by providing:

  1. Fiat & banking rails (accounts, wires, cards, payment processing, offshore banking via regulated partners)

  2. On-chain DeFi infrastructure (swaps, bridges, lending, yield)

  3. Privacy-first architecture (minimal data collection, selective disclosure, user-controlled permissions, ZK proofs, Strategic Banking jurisdictions where applicable)

  4. Veil Pay universal stablecoin payment links (send & receive for P2P, merchants, B2B, DAOs)

  5. Agentic intelligence (AI-driven expense optimisation, budget enforcement, treasury automation)

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What This Enables

The result is a single, unified platform where individuals and businesses can:

  • Store value in Fiat, Stable coins, or on-chain assets

  • Move value globally across jurisdictions without legacy banking friction

  • Spend via global debit cards linked to on-chain balances

  • Send & receive via Veil Pay links (P2P, merchants, B2B, DAOs) in stablecoins globally

  • Swap between assets with privacy controls and best-price routing

  • Analyze and optimize financial operations with AI agents

  • Integrate via API for B2B partners (white-label, payment processing, treasury tools)

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Market Opportunity

Veil targets a multi-trillion-dollar opportunity at the intersection of:

  • Global crypto ($3T+)

  • Cross-border payments ($348B annually)

  • Remittances ($700B+)

  • DeFi TVL ($100–150B)

  • Fast-growing neobanking market (CAGR 40–58%, projected $4.4T by 2034)

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Current Status

Product Phase 1 + 2 complete

  • Virtual and physical cards issued

  • Banking partnerships secured

  • Pre-revenue → revenue ramp starting Q1 2026

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