The Financial Operating System for Stablecoin Money
SBX AURA makes stablecoins work like money. A banking-simple app at the front, a merchant network for acceptance, and institutional settlement infrastructure underneath, all running on the same stablecoin rails.
AURA is a set of smart contracts with an interface people already understand: named payees instead of addresses, every payment checked before it moves, and security enforced on-chain rather than in the app.
Standards and networks
What SBX AURA delivers
Banking simplicity
Hold USDC, USDT, EURC and GBPT, pay people and businesses by name, and see statements rebuilt directly from the chain. Networks, gas and wallet addresses stay under the surface, where they belong.
Safe by default
Before value moves, AURA Guard confirms the recipient wallet is valid, active and on the right network, and screens it for sanctions and risk. Wrong-network and dead-address losses are refused before they happen.
Institutional rails underneath
The same infrastructure settles tokenised assets and payments atomically across permissioned and public networks, with compliance screened before value moves and confidential settlement where it is needed.
How it works
Beneath the consumer app, AURA's settlement layer handles institutional flows. One party commits a tokenised asset, the other commits payment, both are screened, and the two legs settle atomically across the relevant networks. The same smart-contract foundation powers AURA Money's everyday payments for individuals and the merchant network for businesses.
Institutional (permissioned) and public networks converge on SBX AURA for atomic, compliant settlement, with compliance screened before value moves.
1/4 · Two parties. Bank A holds a tokenised bond on a permissioned network. Fund B holds stablecoins on a public chain.
Built for every side of the payment
People, businesses and institutions meet on the same stablecoin rails. Choose one to follow their journey.
Step 1 of 3: Hold stablecoins. Keep USDC, USDT, EURC or GBPT in your own smart account.
AURA Money: stablecoins that feel like a bank account
Hold digital dollars, euros and pounds, pay people by name and keep full control of your funds, with every payment checked before it moves.
The challenge
Stablecoins move enormous value, but using them still means copying 42-character addresses, choosing networks and hoping nothing goes wrong.
What changes
- Self-custody: AURA holds no key that can move your funds
- Wrong-network and dead-address payments refused before sending
- Statements that reconcile to the on-chain balance
Accept stablecoins like a professional
A merchant payment network for digital money, with smart-contract escrow and refund rules written into the payment itself.
Accepting crypto today often means volatile assets, manual refunds and no recourse for either side when something goes wrong.
- Customer pays: The customer pays in a regulated stablecoin, not a volatile token.
- Escrow: Funds sit in smart-contract escrow with refund rules hard-coded in.
- Settled: Funds release to the business when the conditions are met.
- Stablecoin acceptance without volatility
- Recourse written in code, not left to goodwill
- Cross-border payments without correspondent delays
Atomic settlement across networks
Settle tokenised assets and payments across permissioned and public networks with compliance built in, and build on AURA's modules and APIs.
Permissioned institutional networks and public liquidity do not naturally meet, and settlement risk sits in the gap between them.
- Commit: One party commits a tokenised asset, the other commits payment.
- Screen: Both legs are checked against compliance rules before value moves.
- Settle: The legs settle atomically: both complete, or neither does.
- DvP and PvP settlement across permissioned and public networks
- Confidential settlement through zero-knowledge proofs where needed
- APIs, modules and white-label infrastructure
What's inside
The capabilities that make up SBX AURA. Select one to see how it works.
AURA Money
AURA Money lets people hold USDC, USDT, EURC and GBPT, pay named people and businesses, and see statements rebuilt directly from the chain. Funds sit in the user's own smart account, and AURA holds no key that can move them.
The AURA Money demo runs on the Base Sepolia testnet at dapp.sbxaura.com.
- Pay “Sarah” or “Acme Ltd”, never a 42-character address
- Self-custody smart account with an escape hatch that works even if AURA is offline
- Statements that must reconcile to the on-chain balance before they are shown
AURA Guard
Most crypto losses happen before a payment is sent: the wrong network, a dead address, a sanctioned wallet. AURA Guard checks the recipient is valid, active, on the correct network and able to accept the asset, and screens it for sanctions and risk, then explains the result in plain language.
- Wrong-network and dead-address payments are refused, not apologised for
- Sanctions and risk screening on every new payee
- Fails closed: if a check cannot run, the payment does not go
AURA Privacy
Paying someone from an ordinary public-chain wallet can hand them your balance and your history. A bank account does not work that way, and neither should stablecoin money. AURA is being designed so a balance is held as encrypted notes rather than a readable number against an address, payments are proved correct with zero-knowledge proofs instead of published in the clear, and each payment can arrive at a fresh destination derived for the recipient. The person you pay sees the payment; they do not see the rest. In development.
Privacy here is a property of the architecture and of selective disclosure, not a promise of anonymity: on a public chain, deposits, withdrawals and timing can still create linkage.
- The recipient sees what you paid them, not what you hold
- Viewing keys let an accountant, auditor or regulator read a defined slice — and never move value
- Confidential, not anonymous: screening still runs, and authorised parties can still look
Institutional settlement
Underneath the consumer app sits the settlement layer institutions use. Tokenised assets and payments settle atomically, delivery-versus-payment or payment-versus-payment, across permissioned and public networks, with compliance screened before value moves.
- Both legs of a trade settle, or neither does
- Stablecoin and fiat rails, with multiple non-USD stablecoins in development including GBP
- Confidential settlement through zero-knowledge proofs where needed, and asset-backed lending against tokenised collateral
AURA infrastructure
AURA is an operating system for stablecoin money: a set of smart contracts with an interface people already understand. The same modules power AURA Money, the merchant network and the APIs that businesses and institutions build on.
- AURA Core, Guard, Flow, Bridge, Treasury and Privacy modules
- Security policy enforced in the smart account, not in the app
- The AI layer proposes and screens, but never holds a key or signs