Rox Banking
A closed-loop digital banking stack settling on Rox Chain: multi-bank core ledger, consumer and merchant apps, card issuance and lifecycle, dispute and escrow engine, and AI fraud and AML monitoring.
DIGITAL BANKING STACK
T+0
Settlement on Rox Chain
3
Layers of fraud defense
0 ms
Added to authorization by the fraud engine
1 tap
For a customer to confirm or block a flagged payment
A complete digital bank, delivered as one stack
Rox Banking is everything a bank needs to run day-to-day money: the core ledger, the customer and merchant apps, the cards it issues, and the machinery for disputes and fraud. An institution deploys it as one system that already works end to end, not years of multi-vendor wiring.
Every payment stays inside a closed-loop network the operating institution governs and settles on Rox Chain with immediate T+0 finality, so the balance a customer sees is the settled position. One multi-bank deployment can host several institutions on shared rails while keeping their records fully separated.
The model fits two very different operators equally well: a single bank launching a digital arm, and a central authority hosting several institutions on shared national infrastructure. In both cases there are no batch files and no overnight cycles to wait for, just accounts, cards and payments running on one governed ledger.
How Rox Banking flows
The institution comes onto the multi-bank core
A bank joins with its own segregated ledger, governance, and risk settings.
Customers onboard and cards go live
Verified customers onboard and cards go live with in-app controls.
Every payment settles T+0 on Rox Chain
Authorization, ledger movement, and settlement happen as one same-day flow.
Fraud monitoring and disputes run continuously alongside
Payments are scored continuously and disputed funds sit in escrow.
The problems it solves
Core-banking projects take years and still ship half a bank
01Traditional core-banking vendors deliver a ledger and stop there, leaving the apps, cards, disputes, and fraud tooling as separate procurements. Rox Banking ships the whole operating stack together, so launch is measured in months, not years.
Settlement lags behind the customer experience
02Apps show money moving instantly while the real settlement crawls through end-of-day batches, creating credit exposure and reconciliation work. On Rox Chain, the balance the customer sees and the settled position are the same thing, at the same moment.
Fraud tools punish everyone to catch a few
03Blanket rules block legitimate customers, and flagged cases bury analysts in raw transaction logs. The Rox engine learns each cardholder's own normal behaviour and explains every verdict in plain language, so friction lands only where risk actually lives.
Disputes drag on with no held funds behind them
04When a dispute is a promise rather than money set aside, resolution is slow and the losing side may never pay. Rox Banking holds disputed funds in escrow on the ledger and releases them to whichever side the ruling favours.
Inside Rox Banking
A closer look at what each part of Rox Banking does for you.
Multi-bank core ledger
One deployment hosts many institutions, each with fully separated books, on shared rails that settle instantly.
- Segregated accounts and records per bank
- Double-entry ledger with immediate T+0 finality on Rox Chain
- Per-bank governance, limits, and risk settings
Consumer and merchant apps
Ready-made mobile experiences for both sides of every payment, shipped with the platform rather than built from scratch.
- Consumer wallet with cards, transfers, and controls
- Merchant app for accepting and tracking payments
- In-app card freeze, limits, and self-service recovery
Card issuance and lifecycle
The full life of a card, from creation to replacement, managed in one place with controls the customer can actually use.
- Physical and virtual card issuance
- Per-card spending limits and PIN policy
- Instant freeze and unfreeze from the app
Dispute and escrow engine
Disputes are backed by real money held on the ledger, not by promises, so resolutions are enforceable the moment they are made.
- Disputed funds held in on-ledger escrow
- Structured evidence and case workflow
- Funds released to the winning side on ruling
AI fraud and AML monitoring
A three-layer engine learns what is normal for each cardholder and escalates only what is not, without adding a single millisecond to the payment.
- Rolling 90-day behavioural baseline with sub-millisecond inline scoring on every authorization
- Asynchronous AI review with plain-language verdicts
- One-tap 'Was this you?' confirmation for the customer
Compliance-first onboarding
Fraud prevention starts before the first transaction: every account is gated by identity verification and continuously re-screened afterwards.
- Government-ID forensics and liveness checks
- Duplicate-face search across the customer base
- Ongoing re-screening as watchlists change
Fraud detection that knows every cardholder by habit
Rules catch known patterns. The engine learns each cardholder's normal, what they spend, where, and when, then escalates in three layers, without adding a single millisecond to the payment.
THE "WAS THIS YOU?" FLOW
We paused a payment. $4,800 at an electronics merchant looked unusual for this card. Was this you?
0 ms
Added to the authorization path
90 days
Behavioural baseline per card
1 tap
Replaces the fraud hotline, both directions
100%
AI verdicts written in plain English, fully audited
How Rox Banking works
The institution comes onto the multi-bank core
A bank is provisioned with its own segregated ledger space, its own governance settings, and its own risk parameters, on infrastructure shared with, but invisible to, every other participating institution.
Customers onboard and cards go live
Identity is verified at the door with document forensics, liveness, and AML, PEP, and sanctions screening, so every account belongs to a real, screened person before the first transaction. Physical and virtual cards are then created, activated, capped, frozen, and replaced from the same platform, with per-card limits and controls the customer can see and adjust in the app.
Every payment settles T+0 on Rox Chain
Authorization, ledger movement, and final settlement happen as one flow. There is no separate settlement day, so positions are always current and reconciliation largely disappears.
Fraud monitoring and disputes run continuously alongside
Each payment is scored against the cardholder's own behaviour in under a millisecond, and flagged cases get an AI second look seconds later. Disputed funds move into escrow until a ruling releases them.
Beyond the point solutions
Core-banking vendors stop at the ledger. Rox Banking ships the ledger, the apps, the cards, and the dispute engine, all settling T+0 on a chain you govern, with fraud and AML monitoring built in.
They stop here. Rox continues.
Rox Network
Rox Chain
Rox VerifyRequest a Technical Briefing
See Rox Banking in action.