Compliant Settlement
for Autonomous Agents & Regulated Industries
MicroPay delivers USDC & EURDC payment rails built on Circle — with KYA/KYB/KYC compliance, automated AML reporting, OFAC screening, and FinCEN-ready transaction logs. Built for regulatory scrutiny from day one.
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Settlement
USDC
Base L2 · Circle
Compliance-First Financial Infrastructure
Five integrated products spanning identity, settlement, compliance, and AI agent payment rails
Identity & Verification
Know Your Asset, Know Your Business, Know Your Customer — on-chain identity verification across the production stack.
- Document validation & biometric auth
- Business entity verification (140+ jurisdictions)
- Asset-level credential issuance
- W3C Verifiable Credentials via Accumulate
PermitBox™ Settlement
Micropayment rails for autonomous AI agents at construction jobsites — HTTP 402 payment gates, gasless transactions, store-and-forward queuing.
- Per-tool-call micropayments
- USDC on Base (Coinbase L2)
- Gasless via Gas Station relay
- Offline store-and-forward
Fraud Prevention
Real-time transaction monitoring and suspicious activity detection with ML-powered prevention.
- Real-time transaction monitoring
- ML-powered anomaly detection
- Case management & alerts
- OFAC & sanctions screening
Payroll & Compliance
Certified payroll processing with automated tax calculations, direct deposits, and FinCEN-ready transaction logs.
- Certified payroll verification
- Automated tax compliance
- Direct USDC/fiat deposits
- FinCEN-ready audit trail
HOA & Property Payments
Homeowner-protective payment infrastructure — transparent terms, real dispute resolution, data minimization. The antidote to restrictive portal contracts.
- No hidden arbitration clauses
- Real liability thresholds
- Resident data sovereignty
- Board compliance reporting
Agentic AI Operations
Intelligent agents that transform compliance and payroll into autonomous systems — context-aware decisions and continuous optimization.
- Intelligent document processing
- Autonomous compliance decisions
- Predictive analytics
- Continuous workflow learning
Proof-Triggered Settlement
Trust, data, and compute converge — payments flow only when verified conditions are met. Credential confirmed, compliance checked, work attested, context preserved.
1. Verify
Credential verified via tradesman-verify — entity check, license validation, risk score
2. Attest
Digital attestation anchored on-chain via Accumulate ADI — immutable audit trail
3. Gate
Payment gate validates proof conditions — HTTP 402 micropayment request generated
4. Settle
USDC settlement on Base L2 via Circle Programmable Wallets — gasless, instant, auditable
Data Sovereignty
On-premises first, cloud-optional. PermitBox processes locally at the jobsite — sync when connectivity is available via store-and-forward.
Multi-Chain Ready
Primary settlement on Base (Coinbase L2). Accumulate DLT for identity and attestation. Cross-chain settlement architecture for USDC and EURDC.
Compliance-Native
AML-compliant reporting, OFAC & sanctions screening, FinCEN-ready logs. Not bolted on — built into every transaction from the protocol layer.
Full-Stack Settlement Ecosystem
MicroPay is the compliant settlement layer in an integrated ecosystem — from AI agent orchestration through wallet infrastructure to final payment settlement
BizFirst AI
Agent Orchestration
LV8R Labs
Data Orchestration
PPCS
Contractor Ops
Dispatch Crypto
Wallets
Certen
Governance
MicroPay
Settlement Rails
BizFirst AI
AIDual-engine AI orchestration — agent discovery, studio, and generative AI. Powered by Gemini, OpenAI, DeepSeek on Accumulate + EVM.
LV8R Labs
DataModular operating layer — VDCO credential orchestration, BIMHeroDAO governance, ClawHub agent registry. The "Carfax for commercial real estate."
PPCS
OpsProductionOS for construction — job board, tradesman matching, credential issuance, PermitBox™ AI agents. Full pipeline from RFP to payment.
On-Chain Compliance
KYC/AMLIntegrated AML on-chain verification and KYC identity validation. Connects attestation wallets to MicroPay's compliance-native settlement.
Dispatch Crypto
WalletsCross-chain control center — 7 wallet types including Bridge (Accumulate↔EVM), Account Abstraction, Multi-sig, and Attestation (KYC/AML).
Certen
GovernanceThe governance layer of digital finance — decentralized cross-chain governance with on-chain auditability. One identity, every blockchain. ~90% cost reduction vs MPC platforms. Mainnet Q2 2026.
Accumulate
L1 DLTIdentity-first blockchain — ADIs, hierarchical authorization, predictable operations. Powers Certen's governance protocol and the identity backbone for the entire ecosystem.
Enabling Systematic Private Markets
LV8R Labs Ecosystem
Data InfrastructurePrivate market data infrastructure — unstructured data becomes trusted, credentialed intelligence via blockchain anchoring and "data at rest" architecture. Tiered AI agent system processes from document level through portfolio-level risk aggregation.
"Tomorrow's firm won't be defined by what it owns but what it orchestrates. Not by its boundaries but by its permissions."
Why This Matters for Settlement
$13 trillion in global private assets barely trade — not from lack of demand, but from absence of infrastructure. Systematic trading requires:
- Trusted data — credentialed at source (LV8R Labs)
- Verified identity — cryptographic provenance (Accumulate)
- Agent orchestration — autonomous processing (BizFirst AI)
- Wallet infrastructure — cross-chain execution (Dispatch Crypto)
- On-chain governance — auditable authority (Certen)
- Compliant settlement — regulatory-ready rails (MicroPay)
Each layer reinforces the others. Trusted data enables automated operations, verified operations support tokenization, and liquid tokens justify the entire system.
Leadership
Experienced operators at the intersection of AEC, blockchain, and financial infrastructure
Management Team
Jonathon Chambless
Founder of a SaaS innovation lab delivering regulatory-compliant technology solutions to global leaders in AEC. Deep expertise in Construction Management, Commercial Real Estate, Digital Assets, and Financial Services.
Benoy Varghese
Strategy Consultant with 15+ years driving innovation in Blockchain and Web3 — smart contracts, DeFi, NFTs, and enterprise transformation through decentralized technologies.
Dante Cervantes
Financial expert specializing in real estate project valuation and regulatory compliance — integrating financial strategy with operational execution across complex development initiatives.
Binoy Jose
Principal Architect and visionary behind MicroPay Technologies — redefining digital micropayments through blockchain innovation and enterprise-grade efficiency.
Advisory Board
Jay Smith
PMP with 30+ years at the intersection of business value and technological innovation. Led transformative programs across government, CRM, and agile enterprise environments.
Sundar Padmanabhan
Strategist, investor, and advisor across Blockchain, AI, Energy, Fintech, and Web3. Champion of inclusive tech and digital equity solutions.
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