Hybrid Open Finance Infrastructure.

The financial rail for humans, AI agents and tokenized RWAs.  Open Banking and blockchain, settled atomically.

Atomic settlement path

Web2

Bank Account

Protocol

Flick Engine

Web3

Smart Contract

Settlement

< 900ms

  RAILS

    40+

Ledger

On-chain

Protocol

One API bridging Open Banking rails and on-chain settlement.

Learn more

Active network / rails

FEDNOW
SEPA INSTANT
ACH
BACS / FPS
BASE
ETHEREUM
SOLANA
USDC
SWIFT
OPEN BANKING
ARBITRUM
RWA VAULTS
FEDNOW
SEPA INSTANT
ACH
BACS / FPS
BASE
ETHEREUM
SOLANA
USDC
SWIFT
OPEN BANKING
ARBITRUM
RWA VAULTS

[ Core Infrastructure ]

The missing Web2.5 connectivity layer.

One API that translates legacy banking payloads into on-chain smart-contract triggers — and back — with atomic settlement, privacy-preserving identity, and programmable debit controls.

01
Direct Debits

Bi-Directional Direct Debits

Standardize pull transactions across both TradFi and DeFi. Flick turns wallet contracts into programmable debit endpoints and uses on-chain state as the source of truth for bank-direct debits.

Web3 Smart Contract Debit APIs

Recurring token withdrawals through a dynamic On-Chain Allowance State Machine — no manual signature per transaction. Use it for payroll, subscriptions, or treasury rebalancing.

Traditional Open Banking Debits

Trigger ACH, SEPA, FPS and Bacs direct debits pulls via Open Banking endpoints, driven by smart-contract state changes and auditable authorization rules.

Agentic AI Payment Execution

Session-key allowances give autonomous agents a time-bound, capped budget. They can operate independently without ever holding the wallet's master key.

02
Financial Data Flows

Symmetrical Financial Data  Flow

A continuous, privacy-preserving data loop between legacy financial systems and public blockchains. Convert raw account history into verifiable proofs, and on-chain positions into clean enterprise feeds.

Web2 → Web3 · Privacy-preserving inputs

ZK-TLS oracles stream authenticated bank history into smart contracts. Only a cryptographic proof of financial health is published — never the raw statement.

Web3 → Web2 · Asset aggregation

An indexer API normalizes multi-chain activity — DeFi yields, staked positions, tokenized RWAs — into standardized feeds for underwriting and risk engines.

03
Identity

Cryptographic Identity & Anti-Bot Verification

Verify real-world identity without doxxing. Flick issues reusable cryptographic credentials tied to bank-verified KYC, enabling human uniqueness and agent classification on-chain.

Identity Signatures

Encrypted, reusable Soulbound Identity Tokens or W3C Verifiable Credentials prove a KYC'd bank account exists — without exposing name, country, or government ID.

Sybil Resistance

Attest instantly whether a wallet belongs to a unique human, an autonomous agent, or a duplicate account. Prevent bot manipulation in governance and distributions.

[ USE-CASES ]

Mapped to the module that solves it.

From autonomous agents to tokenized assets, every use-case is matched to the Flick infrastructure module that removes the bottleneck.

AI Agent Platforms

Agents cannot sign wallet prompts or complete multi-factor bank authentication, so they cannot pay or be paid autonomously.

Session-key allowances + debit APIs

Auto-Treasury Teams

T+1/2 clearing and fragmented custody drag working capital during rebalancing, payroll runs, and cross-border sweeps.

Atomic clearing + multi-rail debits

RWA Platforms

On-chain yield and principal distributions are hard to pay out to off-chain bank accounts at scale and on time.

Data oracles + escrow + fiat rails

Next-Gen Fintechs

Regulatory friction and legacy compliance blocks Web3 features like stablecoin rewards, tokenized deposits, and DeFi integrations.

Identity + normalizer APIs

Global Payroll & Marketplaces

Contractors and sellers need fast, low-cost settlement across currencies and chains without opening new accounts.

Stablecoin routing + atomic FX
cross-rail.json
01
streaming request…

[ Developers ]

One request. Two ledgers. Zero reconciliation.

Idempotent REST, signed webhooks, typed SDKs. Sandbox to production, same call.

Docs Hub→

Quickstarts and rail-by-rail references.

API Specs→

OpenAPI 3.1 for every endpoint.

GitHub→

TypeScript, Python, Go and Solidity.

System Status→

Live rail health and latency.

Build on the rail between banks and blocks.

Sandbox keys issue instantly. Production within a business day.

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