Banking that validates payments
before execution
Verification-first financial infrastructure designed to reduce fraud, invoice tampering, and wrong beneficiary transfers.
AvatarPay is a smart contract-secured Advanced Banking platform built for the UK. Verified account identity, smart-contract payments, and hands-free Avatar checkout - engineered to materially reduce fraud and wrong payments.
50,000+
Target TPS on L2/Sidechain
Sub-second
Transaction finality
100%
On-chain audit trail
Zero
Lending risk via smart contract escrow
Every layer built to eliminate trust gaps
From the ledger to the checkout screen, every component is designed to materially reduce fraud,
mispayments, and reconciliation errors.
Verified Account Sort Code
Replace static sort codes with a Dynamic Verified Identifier (DVI). Every payment verifies the recipient's decentralised identity on-chain - significantly reducing the risk of invoice tampering and wrong payments.
Learn more→Smart Contract-Secured Ledger
An immutable, append-only decentralised ledger provides a single source of truth shared across multiple nodes. Every transaction is verifiable, tamper-evident, chained, and settled in sub-seconds - not hours.
Learn more→Smart Contract Payments
Funds only move when on-chain conditions are met. Smart contracts act as deterministic arbiters - eliminating the possibility of mispayments due to expired ledgers, system processes.
Learn more→Hands-Free Avatar Checkout
Your Avatar appears on the retailer's POS or self-checkout screen as you approach. Tap your Avatar, confirm identity, payment done - phone stays in your pocket.
Learn more→Automated Tax & Admin
Real-time ledger categorisation powers automatic VAT return calculations, corporation tax preparation, and HMRC filing. Tax Return Day becomes a non-event.
Learn more→Multi-Currency & Open Banking
Digital assets and traditional currencies on a single platform. Built to benefit from PSD2 and SCT Inst regulations for seamless cross-border and embedded finance.
Learn more→Invoice fraud is a multi-billion-pound problem legacy banking has not solved
Fraudsters use business email compromise (BEC) to intercept legitimate invoices and replace bank details with their own accounts. Traditional UK payments rely on static sort codes and account numbers - a system where authorisation and settlement are asynchronous, leaving a window for error, fraud, and reconciliation discrepancies.
Authorised Push Payment (APP) fraud exploits this lag. Once funds leave the account, the reclaim process is lengthy and uncertain. Existing Confirmation of Payee (CoP) systems rely on centralised databases and human intervention - the underlying ledger is not deterministic.
AvatarPay moves to a Zero-Trust Banking Architecture where every payment is verified on-chain before funds move. The code enforces the rules.
Traditional system authorisation lag
Hours to days between authorisation and settlement - fraud window remains open.
Static account numbers
Easy to spoof or repossess as PSP freeze. Relies on human vigilance.
Centralised CoP databases
Single point of failure, human intervention required, not deterministic.
AvatarPay Verified Sort Code
Dynamic Verified Identifier checked against the recipient's on-chain identity. Eliminates reuse + traceable payment.
Smart Contract Arbitration
Funds only release when all on-chain conditions are satisfied. No settlement lag.
Your Avatar pays for you -
hands-free, phone in pocket
A cloud-based, hands-free checkout solution. Your personalised Avatar appears on the retailer's POS or self-checkout screen as you approach - click once, done.
01
Avatar Appears
As you approach the retailer's POS terminal or self-checkout screen, your Avatar appears on screen - recognised automatically.
02
One Click to Pay
Tap your Avatar to approve. Your verified identity is checked on-chain and the purchase total is authorised instantly.
03
Personalised Deals
Immediate access after purchase. 100% customised deals based on your order history - from specific products to loyalty rewards.
Gas & Go scanners unlocked via Avatar - auto-payment on completion
Transaction fee distributor model that benefits retailers
Multi-currency support: digital assets and traditional currencies
Compatible with PSD2 and SCTInst payment regulations
Ready to experienceAdvanced Banking
AvatarPay is building the UK's first smart contract-verified banking platform. Register your interest for early access.