About us
We exist because Australian money deserves better tools; rails that move it in real-time, make it productive by default, and protect it from erosion.
About us
We exist because Australian finance deserves better tools; rails that move it in real-time, make it productive by default, and protect it from quiet erosion.
Australians have been handed a financial system built for a slower century.
Payments crawl through correspondent banks, savings quietly erode in deposit accounts, and the assets and markets that actually preserve and grow wealth sit locked behind layers of complexity. We exist to close that gap.
We believe money should move at the speed of the internet, hold its value across decades not quarters, and answer to the person or business who earned it - not the institution holding it. None of this requires permission anymore. The networks are open, the assets are real, and the only thing missing is an experience that doesn't ask people to become engineers to use it. That's the gap we're here to close.
Australians have been handed a financial system built for a slower century.
Payments crawl through correspondent banks, savings quietly erode in deposit accounts, and the assets and markets that actually preserve and grow wealth sit behind layers of complexity. We exist to close that gap.
We believe money should move at the speed of the internet, hold its value across decades not quarters, and answer to the person or business who earnt it - not the institution holding it. None of this requires permission anymore. The payment rails are open, the assets are scarce, and the returns are meaningful.
Meet Our Team
Jack Lefroy
Founder/CEO
Monash University, Bachelor of Business
Previously Clemenger Group, Citipower
Monash University, Bachelor of Business
Andrew Dong
Technical Strategy
University of Sydney, M.Phil., Distributed Systems
Previously Amazon, IBM , Fujitsu, Aglive Group
University of Sydney, M.Phil., in Distributed Systems
Peaking University, B.S., Computer Science
Zain Ali Saha
Lead Developer
Ankara Üniversitesi, Masters of Artificial Intelligence
COMSATS University Islamabad, Bachelor of Computer Engineering
University of Sydney, M.Phil., in Distributed Systems
Peaking University, B.S., Computer Science
Michael Sapolu
Advisory Board
Over 8 years experience in AML/CTF, regulatory compliance, and operations within FinTech sectors.
University of Sydney, M.Phil., in Distributed Systems
Peaking University, B.S., Computer Science
The problems we see and aim to fix
Remittance Costs,
Transfer Times and Inflexibility
The global remittance industry has spent a decade promising to bring costs down to 3%. In that time, the average cost of sending $200 has gone up - not down - to 6.5%. This is because the underlying rails haven't changed. We bypass the problem entirely: our payments can settle on decentralised networks - like stablecoins and bitcoin - with no intermediaries, no delays, and no banking hours. This is why we can move money across borders in real-time at a fraction of the cost the industry still can't reach. Another friction point of the industry is the inability to switch between traditional fiat, digital assets and hard assets like gold. You're boxed in to one ecosystem. We've built our solution for complete switch-ability between all three currency types, giving you and your recipient optionality.
The Friction of
Global B2B Payments
Global trade has made the world smaller, faster, and more connected. But the infrastructure businesses use to move money across borders hasn't kept pace; outdated correspondent banking networks, hidden fees, and multi-day settlement windows remain the norm. We exists to change that. We're challenging the wire transfer model, replacing closed banking rails with open settlement infrastructure, and giving businesses the tools to transact the way modern commerce actually moves. We make it easy for businesses to send and receive international payments that are real-time, transparent, and built for today's world.
Monetary Expansion
Since 2000, the broad money supply across Western economies has grown from roughly $10 trillion to over $51 trillion. And it's not driven by economic growth - it's driven by dilution. Every dollar printed is a quiet tax on every dollar you already hold. Your savings account balance doesn't change, but what it can actually buy does, and it shrinks a little more every year. The chart on the left tells the story plainly. The US alone accounts for the steepest climb - a near-vertical expansion through COVID that has never reversed. Australia, the UK, Canada, and the EU followed the same script. The money supply was inflated to absorb crises, stimulus, and debt. The sinister result is that the cost has been silently passed on to anyone holding cash. This reality has shifted the attention to neutral assets with scarcity built into them. Gold's scarcity is enforced by nature. Bitcoin's is enforced by code. We're giving you streamlined access to both. Not as speculative bets, but as a structural defence against this eroding monetary system.
Low Savings Account Returns
The infrastructure everyday Australians use to grow their savings is antiquated. Bank accounts are paying below-inflation rates, opaque fee structures, and gate-kept access to the returns that actually make a difference. We exist to change that. Open markets have made yield more accessible, more democratic, and more powerful than ever. We're offering the same savings account model, but replacing it with direct access to the DeFi yield protocols that power the worlds biggest institutions. Individuals and businesses will get the tools to put their money to work in a meaningful way. We make it easy for anyone to deposit, earn 2–4x what their bank offers, and withdraw any time - without the bizzare terms, conditions and metrics that banks' 'bonus savings accounts' require.
The problems we
see and aim to fix
How we protect your money
We built our platform on a simple principle: your money should be as safe inside our platform as it is accessible.
How Your Digital Assets Are Protected
Everyone gets their own segregated wallets on our platform. Your funds are never pooled with other users' balances or mixed with other pools of capital. What's yours is yours, held separately, at all times. Authentication is handled through passkeys - the same biometric technology that unlocks your phone or laptop - so there are no passwords to steal, no seed phrases to write down, and no master key that can be lost or phished. If you ever lose your device, your identity verification lets you recover access without losing your funds.
Your wallets are structured around two models, depending on the asset. Stablecoin and payment wallets are self-custody - meaning the keys live on your device and only you can authorise a transaction. We never hold them and can never move your funds on your behalf. For Bitcoin Cold Wallets, custody is handled through BitGo, one of the world's largest institutional custodians. It uses multi-signature signing, meaning multiple independent keys must approve any movement of funds. This gives your Bitcoin the protection of institutional-grade infrastructure.
How we protect
your money
How Your Gold Is Protected
Gold purchased through our platform is custodied by our partner Rush Gold, a regulated Australian bullion dealer operating under an Australian Financial Services Licence. When you buy gold, you acquire direct legal title to physical bullion. This is not to be confused with an ETF, a derivative, or a claim against a shared pool. The bullion is sourced exclusively from refiners certified by the London Bullion Market Association, the global standard-setting body for precious metals. Your gold is held in secure vaults across Australia operated by Brink's Global Services, one of the world's leading precious metals custodians. It is insured against damage and theft by Lloyd's of London, and independently audited on an annual basis by Bureau Veritas - a global inspection and certification firm that physically verifies bar counts, sizes, weights, and serial numbers. Rush operates bank-grade software infrastructure used to serve millions of banking customers globally, with independent third-party security testing conducted on a regular basis.