Vaiu Global Inc

What Vaiu Global Inc does

Vaiu Global Inc is a Delaware-incorporated payments infrastructure company that has developed a credential-free tokenization platform for digital money. The company's core technology is the Transaction Key architecture, protected by US Patent No. 12,591,883 B2 (granted March 31, 2026 after multi-year USPTO examination), which generates session-scoped, single-use instructions that expire at the moment of authorization and remove the requirement to share persistent credentials. The tokenBase processing engine creates, validates, executes, and expunges millions of these Ephemeral Tokens per second and is designed to integrate with existing payment rails (FedNow, card networks, ACH, wire) while remaining blockchain-compatible but not blockchain-dependent. Product assets include Vaiu Retail Stablecoins (1:1 deposit-backed, KYC/AML-compliant digital cash), Ephemeral Tokens, tokenBase, the Atomic Commerce platform (which bundles payment, order, delivery, CRM, and reorder into a single token), and merchant plugins for Shopify, WooCommerce, Magento, BigCommerce, PrestaShop, and OpenCart.

Name

Vaiu Global Inc

Legal name

Vaiu Global Inc.

Website

https://vaiuglobal.com

Company type

Private

Founded year

2020

Operating status

Operating

Headcount range

1–10 employees

Short description

Vaiu Global Inc is a Delaware-based payments infrastructure company providing patented credential-free tokenization technology that enables banks, fintechs, and merchants to issue and process retail stablecoins and ephemeral payment tokens at scale.

Ownership category

akta.pro rank

Product category

Payment Tokenization Infrastructure

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320)

SIC

Finance Services (6199)

akta.pro primary industry

On-Chain Payments & Stablecoin Infrastructure (Issuance, Rails, Treasury) (FSAGAMAD)

akta.pro secondary industries

Stablecoin Issuers (Fiat-Backed) (FSADADAA), Enterprise Payments & Tokenized Money (stablecoins, tokenized deposits, CBDC rails) (FSAPAIAJ), Crypto Payments & Stablecoin Settlement Platforms (BPAMAFAL), Stablecoins & On-Chain Money (fiat-backed, crypto-backed, algorithmic; issuance/redemption) (FSAPAEAB), Mint/Redeem, Issuance APIs & Treasury Operations Platforms (FSADADAE)

Keywords

• Payment tokenization software
• Credential-free payments
• Bank-issued stablecoins
• Ephemeral token processing
• Tokenization infrastructure

Headquarters

HQ city

Los Angeles

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

Technology or R&D, Personnel, Operations, Marketing or Sales, Infrastructure

Revenue model

1. Software Licensing: Vaiu Global licenses its proprietary technology and intellectual property to financial institutions, banks, and digital wallets globally. The company's Vaiu protocol and architecture facilitates CLDT (cash-like digital transactions) as a software product.
2. Integration and Implementation Services: Vaiu provides seamless integration with core banking systems, KYC/AML platforms, and fraud monitoring solutions, likely generating professional services revenue.

Go-to-market motion1 record

Distribution channels2 records

Marketing channels6 records

Core offering

Vaiu Global operates a token processing service that enables secure, private and instant transfers of digital cash through proprietary Ephemeral Token technology and the tokenBase processing engine. The platform allows banks to issue retail stablecoins (bankcoins) backed 1:1 by deposits while preserving those deposits on-balance-sheet, and supports Atomic Commerce, Pay by Bank, P2P currency exchange and pre-built e-commerce payment plugins. The company's Transaction Key architecture is covered by US Patent No. 12,591,883 B2 and operates inside any existing payment system (FedNow, card networks, ACH, wire) without requiring blockchain infrastructure.

Product overview

Vaiu Global Inc is a payments infrastructure company offering a unified tokenization platform centered on bank-issued retail stablecoins. The core portfolio consists of Vaiu Retail Stablecoins (bank-issued, KYC/AML compliant stablecoins), Ephemeral Tokens (patented credential-free, single-use tokens that expire after each transaction), and the tokenBase processing engine (high-performance engine that creates, validates, executes, and expunges millions of tokens per second). These are unified through the Atomic Commerce platform, which bundles payment, order, delivery, support, CRM, and reorder into a single ephemeral token for cart-free commerce. The ecosystem is extended via industry-specific solutions (Atomic D2C for retail chains, Pay by Bank for direct bank payments, Peer-to-Peer Currency Exchange), a suite of e-commerce payment plugins for WooCommerce, Shopify, Magento, BigCommerce, PrestaShop, and OpenCart, and white papers covering CLDT architecture, national cash infrastructure, cross-border transactions, supplier payments, and federated ledgers. The company's US Patent No. 12,591,883 B2 (granted March 31, 2026) covers the Transaction Key architecture — the first method for authorizing digital payments without persistent credentials while preserving institutional accountability.

Differentiator

Problem solved

Functional benefit

Products and services

• Vaiu Retail Stablecoins (Bankcoins) Software product enabling banks to issue retail stablecoins that are 1-to-1 backed by deposits and KYC/AML compliant, allowing customers to mint and spend digital value instantly with universal acceptance and zero fees. For banks and their retail and commercial customers.
• Ephemeral Tokens Patented single-use, instant-expiry tokens that carry value, identity and transaction data for the duration of a transaction, then disappear, eliminating stored-credential vulnerabilities. For banks, fintechs and merchants integrating credential-free payments.
• tokenBase Processing Engine High-throughput processing engine that creates, validates, executes and expunges millions of Ephemeral Tokens per second, performing instant mint and spend operations while integrating with core banking, KYC/AML and fraud monitoring infrastructure. For banks, payment processors and core banking platform providers.
• Atomic Commerce Cart-free commerce platform in which a single ephemeral token carries payment, order, delivery, support, CRM and reorder capability, eliminating cart abandonment and reducing checkout steps. For merchants, CPG brands and retail chains selling via social, email, SMS, QR or NFC.
• VAIU Payment Plugin for WooCommerce Pre-built payment plugin for WordPress WooCommerce stores that adds Vaiu code-based payments and embedded app functionality with one-click payment. For SMB merchants on WooCommerce.
• VAIU Payment Plugin for Shopify Native Shopify app that enables Vaiu payments with one-click installation, automated settlements and an analytics dashboard. For SMB merchants on Shopify.
• VAIU Payment Plugin for Magento Enterprise-grade payment module for Magento stores supporting B2B payments, advanced reporting and API integrations. For mid-market and enterprise Magento merchants.
• VAIU Payment Plugin for BigCommerce Payment plugin for BigCommerce merchants offering quick setup, mobile optimization and global payment acceptance. For SMB and mid-market BigCommerce merchants.
• VAIU Payment Plugin for PrestaShop European-focused payment integration for PrestaShop stores supporting SEPA payments, local payment methods and multi-store operations. For European SMB and mid-market PrestaShop merchants.
• VAIU Payment Module for OpenCart Lightweight payment module for OpenCart platforms offering easy installation, low fees and standard Vaiu payment features. For SMB merchants on OpenCart.

Quantifiable outcome

• 40%+ push payment growth driving market expansion
• +3 more outcomes

Named customers1 record

Segments4 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration7 records

Feature5 records

Partnerships

One partnership is on record.

• 123GcoreStrategic or Co-development Partner123G is an operator-led advisory firm that brought John Farrell (now CEO of Vaiu) to the company as Founding Head of the Fintech Vertical. The relationship involves deep strategic collaboration with experienced executives supporting high-growth fintech companies. Farrell retains an advisory relationship with 123G as he assumes full-time CEO responsibilities. The firm spans payments architecture, product commercialization, and go-to-market execution across financial institutions and technology companies.

Scale indicators8 records

Recent moves7 records

Expansion highlights5 records

Broad incumbents

• Stripe: Stripe is a broad payments infrastructure incumbent that has expanded into stablecoin settlement (USDC on multiple chains). It operates a much wider payments platform but overlaps with Vaiu on programmable money, credential management, and merchant acceptance rails.
• Visa Payments Ltd: Visa is a broad incumbent in card payments and rail-level settlement, with public stablecoin-rail pilots (USDC settlement via Circle). Vaiu's CEO John Farrell is a Visa alumnus and Visa's network effects on merchant acceptance are a key competitive factor for bank-issued stablecoin adoption.
• Ripple (XRP/RippleNet): Ripple provides cross-border payment rails and the RLUSD stablecoin, addressing tokenized bank-to-bank transfers similar to Vaiu's Ephemeral Token cross-border use case. Both target bank/FI buyers for wholesale and emerging retail settlement.

Direct peers

• Paxos: Paxos provides stablecoin issuance infrastructure (PYUSD, Pax Dollar), mint/redeem APIs, and regulated custody. It is the closest direct comparable to Vaiu's bank-issued stablecoin + processing engine model, though Paxos operates as a regulated trust rather than a bank-native platform.
• Circle: Circle is the issuer of USDC, the leading fiat-backed stablecoin, and operates comparable issuance/redemption APIs, treasury infrastructure, and bank partnerships. Vaiu competes directly in the bank-issued retail stablecoin category but differentiates via bank-native deposit retention and credential-free architecture versus Circle's external issuer model.
• Tether: Tether (USDT) is the largest fiat-backed stablecoin issuer by market cap. While structurally different (offshore issuer, non-bank), it defines the deposit-drain threat Vaiu's bank-issued model is designed to counter, making it the primary incumbent Vaiu's bank customers are reacting to.

Emerging players

• BVNK: BVNK is a stablecoin payments infrastructure provider offering on/off-ramps, treasury, and merchant acceptance for businesses. It is comparable to Vaiu's merchant/fintech-facing layer but focuses more on payments orchestration than bank-native issuance.
• Fnality: Fnality is a bank-consortium utility settlement token (FnUSD) targeting wholesale payments. It is comparable as a bank-issued tokenized money initiative and represents a competing 'consortium' route to the same problem Vaiu's individual-bank rails address.
• Token (Token.io): Token.io provides open banking-powered account-to-account payment infrastructure for European banks, including 'Pay by Bank' rails that overlap directly with Vaiu's Pay by Bank module. Both sell to European FIs for instant settlement and reduced card-network dependency.
• Solid (by Block, formerly TBD): Solid (from Block/formerly Square) builds open-source decentralized payment protocols for stablecoin and bank-issued tokens, directly adjacent to Vaiu's credential-free token infrastructure. Both target developer platforms that can issue/spend programmable money.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/vaiu-global
• Xx.com/vaiuglobal
• Facebookfacebook.com/vaiuglobal

Revenue estimate

Valuation estimate

Number of profiles

Profiles13 records

Funding overview

Funding rounds1 record

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Vaiu Global Inc