arpFi
Instant 24×7 U.S. Dollar Settlement
Move real U.S. dollars at the speed of crypto without leaving the banking system or FDIC insurance.
More info: engage@warpfihq.com
Overview
WarpFi is a tokenized deposit network enabling instant, 24×7 settlement between counterparties using real U.S. dollars held in U.S. banks with FDIC insurance.
Each deposit dollar is represented by a token issued directly by the bank with FDIC insurance, enabling 24x7 bank transfers between participants with no reliance on stablecoins or offshore issuers.
Every token equals one dollar — U.S.-regulated, in a U.S. bank, and FDIC insured.
How It Works
Open a U.S. Bank Account
Each participant holds a standard U.S. bank account under normal KYC/AML review.
Bank Issues Tokenized Deposits
The bank mints tokens backed 1:1 by the cash in that account.
Transfer Instantly — 24×7
Tokens can be sent instantly 24x7 between counterparties' blockchain addresses for immediate credit to the corresponding bank account, with atomic settlement and no wire or ACH delays.
FDIC Insured
All tokens are FDIC insured up to account limits and remain within the U.S. banking system.
Why It Matters
24×7 Dollar Settlement
Move dollars instantly 24x7 between exchanges, OTC desks, lenders, and counterparties.
Regulated & Auditable
Deposits are held at U.S. banks with FDIC insurance and tokenized by the banks, providing full regulatory alignment and auditability.
Capital Efficiency
Enable continuous intraday settlement to free trapped balances and reduce counterparty risk.
Multi-Bank Network
WarpFi's roadmap connects multiple partner banks, creating a federated, real-time USD network that scales across institutions.
Built for Institutional Finance
- Exchanges & brokers needing 24×7 U.S. dollar settlement
- OTC desks & market makers managing rolling exposure
- Custodians, lenders, and stablecoin issuers requiring compliant, programmable settlement
The Future of Dollars Is On-Chain and Inside the Bank
WarpFi — real dollars, real time.
More info: engage@warpfihq.com