UNBANK · In development
Building the next
chapter of payments.
Umbra's non-custodial Monero gateway is built and open source. UNBANK is the next chapter, currently in development: a way for customers to pay with a card while merchants receive Monero in their own wallets.
Released · open source · settling on mainnet
What already runs.
None of this is a slide. It's a working non-custodial gateway you can read, clone and run today. We do not yet claim card acceptance, fiat conversion, or an independent audit. Those are the next areas of development.
Non-custodial by construction
We hold a wallet view key, never a spend key. We can watch payments arrive; we cannot move them. Funds land straight in the merchant's own wallet.
A subaddress per invoice
Every invoice mints its own Monero subaddress, so payments are attributable without ever reusing an address.
Fiat-priced, rate locked
Invoice in USD or EUR with the XMR rate fetched live and frozen at creation, or price natively in XMR.
Two signed webhooks
payment_detected at 0-conf, payment_confirmed at 10, each HMAC-SHA256 signed, with retry, one-click redelivery and secret rotation.
Reorg-safe
Dropped transactions and chain reorganizations revert cleanly; a detected invoice falls back to pending and its webhook is withdrawn.
Settles on Monero mainnet
Released under MIT and tested end to end on mainnet against a Monero node and wallet RPC. Production belongs on your own dedicated node.
In development
What we're building.
The airlock: buyer pays Visa, merchant receives Monero to keys we never hold, our custody designed to be brief. The Monero gateway is built, open source and settling on mainnet; card acceptance and conversion are in development.
Licenses & registrations
The registrations in each jurisdiction that keep the door open, the reason unlicensed attempts get welded shut.
An acquiring partnership
The card-in leg: a licensed acquirer so buyers can pay with the card already in their pocket.
Fiat → XMR conversion
Regulated desks, under our name, so the paperwork never learns the merchant's.
The Shopify listing + first 10 merchants
The distribution and the first lawful merchants done confessing.
Support the development.
UNBANK is in development. If you wish to support the project with funding,contact us on Twitter. For product updates, you can also join the waitlist.
Lawful merchants only, privacy for businesses, not impunity for crime. The airlock (card-in, fiat conversion) is in development; the non-custodial XMR gateway is released and settles on mainnet. Nothing here is investment advice.