A simpler way to send, request, and split money—being developed around a clearly defined banking and compliance model.
Pre-launch concept. Demo only. No real funds move.
EXPANDED SCOPE / FOR PARTNER REVIEW
The new workspace explores USDC and USDT requests, token/network selection, balances and payment approvals. This is an additional proposal, not a change to any regulatory authorization or signed agreement.
Evaluate regulated infrastructure for supported token/network pairs, receiving instructions, custody, settlement, screening, refunds and reconciliation. Bridge is one potential provider to evaluate; no agreement is claimed.
PROPOSED · NOT CONNECTEDSOLO is the proposed identity-evidence provider, subject to diligence and contract. Any reuse needs approved policy checks and current evidence. Business use also needs KYB and beneficial-owner review.
PROPOSED · IMPLEMENTATION REQUIREDThe existing application packet describes a USD-only consumer pilot. Stablecoin receipt, conversion, custody and business accounts need their own scope assessment and any required approvals before launch.
LEGAL & PROVIDER REVIEW REQUIRED01 / THE PRODUCT
Cybersaultus brings everyday payment journeys into one interface. The existing demo makes those journeys tangible while the production model remains subject to review.
Choose a contact, enter an amount, add a note, and follow the payment through to a clear receipt.
AVAILABLE IN THE DEMODivide a shared expense and review requests, activity, and transaction details in one place.
AVAILABLE IN THE DEMOExplore bank-connected funding, withdrawals, and a future branded debit or prepaid card with an approved issuer.
PROPOSED · PARTNER DEPENDENTFlorida residents · U.S. dollar payments · Consumer use
Final eligibility, payment rails, transaction limits, fees, and launch timing will be agreed with the selected partners. Expansion requires a separate review.
02 / THE OPERATING MODEL
A partner-led model is the starting point for discussion. Who holds funds, who executes transfers, and who carries each obligation must be explicit in the final arrangement.
Product interface, customer communication, and program operations within an agreed scope.
Account and funds structure, payment execution, and oversight as defined by the legal model.
Bank transfers and, if approved separately, an issuing and card-processing program.
No bank, licensed payments provider, or card network partnership is represented as signed. Customer funds are not accepted by this demo.
The final design needs to establish legal custody, account ownership, customer entitlements, settlement timing, and a daily reconciliation process. Customer funds and company operating funds must have clearly defined treatment.
Agreements should assign onboarding, sanctions screening, transaction monitoring, reporting, disputes, complaints, record retention, audit access, incident response, and orderly program termination.
03 / COMPLIANCE & READINESS
This is a proposed readiness framework, not a statement that these controls are implemented or independently validated. Production requires documented owners, procedures, testing, and approvals.
Florida is the intended initial market. A Florida-only launch still requires an analysis of applicable state and federal obligations and controls around customer and transaction geography.
A policy document is a starting point. The applicable program needs accountable people, working procedures, evidence of execution, and review proportionate to the risks.
Before onboarding customers, the program needs a clear account structure and a tested process for exceptions, disputes, and the return of funds.
No deposit insurance claim is made for Cybersaultus or the demo. Any future disclosure depends on the actual bank and account structure.
The proposed security workstream connects technical safeguards with operational ownership, supplier review, and evidence suitable for partner diligence.
These are proposed controls. Testing, staffing, and audit evidence remain prerequisites to be established.
04 / THE PATH TO LAUNCH
A sequence of decision gates, rather than a promised launch date. The live product should proceed only after the necessary legal, partner, and operational approvals.
Review the consumer journeys in a simulated wallet. Validate the intended use case and proposed Florida scope.
Confirm the legal entity, funds flow, licensing analysis, partner fit, and commercial assumptions.
Execute agreements, secure required authorizations, implement controls, and complete operational testing.
Introduce an approved, limited program with agreed limits, monitoring, support, and explicit expansion gates.
05 / PARTNERSHIP REVIEW
Seeking alignment with a regulated banking or payments provider that can evaluate a Florida-focused consumer wallet and define a viable path to production.
A discussion document. Not a license application or evidence of partner approval.
QUESTIONS, ANSWERED
The status and limits of the current concept, in plain language.
No. The current Cybersaultus wallet is an interactive demonstration. Its balances and transactions are simulated. It does not accept deposits, execute live transfers, or issue payment cards.
This site does not represent Cybersaultus as a licensed money transmitter, an approved bank program, or a registered MSB. No executed banking or payments partnership is represented here. The legal entity, required authorizations, and agreements must be established and verified before launch.
Not automatically. The answer depends on the actual activities, funds flow, contracts, and applicable law. Florida licensing and federal BSA obligations need separate analysis. A bank’s exemption or a provider’s license should not be assumed to cover every activity of the app.
A future card would require an eligible issuing bank or sponsor, an approved program and processing arrangement, and applicable network and brand approvals. Visa is a potential future network choice, not a current partner. No Visa card is available through Cybersaultus today.
A focused initial geography helps define the customer, operating requirements, and partner discussion. It does not remove federal obligations or settle the treatment of out-of-state recipients. Any broader reach needs a separate legal and operational assessment.
The original site offers monthly access to the product demo. That purchase is for demonstration access only; it is not a wallet deposit, investment, bank account, or payment-service authorization. Review the current price and terms on the original checkout.
Review original demo membershipA PRODUCT YOU CAN EXPLORE. A PLAN YOU CAN REVIEW.