One core. Twelve products. A design system.

Gateway authorizes and captures the payment; settlement pays out in EUR against one order reference. Bank-transfer orders carry vIBAN references so incoming SEPA credits identify their orders by construction — and whatever doesn't match lands in Center's reconciliation queue as a counted exception.

PoS takes tap, insert, and USDC scan on Gateway's order model, closes the day into a named batch, and settles overnight to the merchant's IBAN as one line. Counter and checkout reconcile as one business — same references, same receipts.

Issuing puts a card in the wallet — virtual first, push-provisioned as a device token. Every authorization then checks balance and per-card controls on Pay's ledger, and freezes, limit changes, and reissues run through Center, reason-required and audited.

Pay runs KYC before money moves — documents, liveness, sanctions screening at onboarding. Center carries the ongoing half: screening hits, review queues, and an append-only audit log that explains every decision after the fact.

Ramp and ATM are the doors between euros and crypto — card or Apple Pay in, cash in hand at a kiosk, and both ways back out. Chain carries the on-chain leg; Wallets holds the result inside whatever app the user is already in.

A customer pays USDC at Gateway checkout or scans a QR at a PoS terminal; Chain settles the transfer on-chain and bridges it to euros in an IBAN. The merchant reconciles EUR at a stated rate — the token never sits on their books.

When a cardholder disputes a charge, the Gateway order is the evidence file: authorization result, receipt, refunds, and webhook history against one reference. Center is where operators work it — queues with the clock visible, every action on the record.

Agents lets software spend under written policy — budgets, merchant allowlists, human approval above a threshold. Approved payments settle as ordinary SEPA transfers on Pay's core, and every decision lands in the same hash-chained audit trail Center reads.