Coinbax

Coinbax supplies a control layer for stablecoin payments at banks and credit unions, adding programmable escrow, multi-party approval, spend limits and reversibility on top of instant settlement. Each payment runs through four phases — Verify, Fund, Confirm and Settle: sanctions screening, KYC and risk scoring happen before funds move and failed requests never reach the contract; approved funds lock into an on-chain escrow governed by the template rather than by Coinbax or either counterparty; a review window allows multi-party sign-off or rollback before release; and every phase leaves a tamper-evident record for reconciliation and examination. Contracts run on Base and Solana, supporting USDC, USDG, RLUSD and PYUSD, while custody and wallet keys stay with the customer's existing MPC provider.

It is positioned as compliance middleware for regulated institutions rather than a speed-and-fee payment gateway. In January 2026 it joined Jack Henry's Fintech Integration Network, reaching SilverLake through jXchange and Symitar through SymXchange and roughly 7,400 institutions; escrow contracts were reviewed by Consensys Diligence and screening runs through Chainalysis. Coinbax Send offers consumer transfers on Base at a 0.5% fee with a cancellation window.