Connectivity Dependency
Existing crypto payments require real-time server verification. No signal? No payment.
Digital cash you can hold. No internet. No bank. No compromise.
It's not really yours. Until now.
Existing crypto payments require real-time server verification. No signal? No payment.
True offline stored value cards cost $5-15 per card. Not viable for mass adoption.
Existing systems require trusting a central operator. Your money is only as safe as their servers.
Physical crypto cards can't enforce rules like cash. Anyone with write access could change balances.
No expensive chips. No complex hardware. Just elegant mathematics.
Uses standard NTAG 424 DNA cards (~$1 each) instead of expensive secure elements.
Each transaction builds on the previous state with cryptographic hashes. Tampering breaks the chain.
Merchants stake collateral to join. Fraud means losing their bond through automatic slashing.
Transactions settle on Stellar/Soroban smart contracts. Fully decentralized and auditable.
Card layer stores proofs. Terminal layer signs transactions. Settlement layer enforces rules.
Issuance & Lifecycle
ECHELON Staking Pool
Chain Validation Engine
HSM / Secure Enclave
State Transition Auth
Terminal Attestation
Anti-Clone Protection
State Hash Chain
Signed State Deltas
416 bytes of carefully structured data that makes fraud mathematically detectable.
Every attack vector is countered by cryptographic detection and economic punishment.
Tap. Pay. Done. Settlement happens in the background.
NFC reader receives SUN message, current state, and counter value from the passive card.
Validates CMAC, confirms counter > last seen, verifies state hash chain, checks balance.
Terminal creates new state: updated balance, new hash, current counter, merchant signature.
New state and transaction log entry written to NTAG 424. Counter increments automatically.
Terminal batches transactions and submits to blockchain. Smart contract verifies and credits merchant.
Everyone said secure offline payments required expensive chips. We proved them wrong. Game theory. Cryptography. Economics. That's all it takes. Welcome to ECHELON.
| System | Card Cost | Offline? | Crypto? | Security Model |
|---|---|---|---|---|
| Oyster / Suica | $5-15 | ✓ | ✗ | Hardware (Secure Element) |
| BoltCard | ~$1 | ✗ | ✓ | Server Verification |
| Tangem Pay | $30+ | ✗ | ✓ | Hardware + Visa Rails |
| EMV Contactless | $3-5 | ✗ | ✗ | Hardware + Network |
| SCP ECHELON | ~$1 | ✓ | ✓ | Economic (Bonding/Slashing) |
We didn't just improve digital payments. We reinvented them.
What if money was truly yours?
SmartBill
The first money that's impossible to fake, yet completely anonymous.
Watch PresentationHand it over. Done. No waiting. No processing. No middleman.
Military-grade cryptography. Every transaction signed. Every card unique.
No account. No tracking. No data. Just you and your money.
Physical card. Real value. Hold it in your hand. That's ownership.
The future of money isn't coming. It's here. Join us.