E1 is financial infrastructure and a payments orchestrator for a unified global currency. Central bank money settles straight into central bank money. No stablecoin standing in the middle, no US dollar leg, no correspondent chain. Smart contracted, AI interfaced, and blockchain settled across countries and currencies.
Savings, joint, business, and professional accounts.
Instant onboarding backed by the digital rupee.
Royalty points and up to 2% partner cashback.
Send and receive across 33 countries.
Official fiat to official fiat, never a token.
Atomic swaps instead of correspondent banking.
Release funds only when milestones are verified.
Payroll, subsidies, and vendor payouts on rules.
Every payment anchored to an immutable hash.
MPC key management and air-gapped cold storage.
Assets that reject unauthorised transfers.
Time locks and multi-party approval built in.
Official fiat on both endsFig. 001 / The stack
Who we are
Everyone else routes through a token.Everyoneelseroutesthroughatoken.A stablecoin, or a US dollar leg, standing in for the money you actually sent.Astablecoin,oraUSdollarleg,standinginforthemoneyyouactuallysent.We don’t.Wedon’t.
E1 settlesE1settlesofficial fiat directly into official fiatofficialfiatdirectlyintoofficialfiatdigital dirham into digital rupee, so central bank money sits on both ends. Around that rail we’re building neo banking, enterprise automation, and custody: a digital finance ecosystem with the trust of central banks behind it.digitaldirhamintodigitalrupee,socentralbankmoneysitsonbothends.Aroundthatrailwe’rebuildingneobanking,enterpriseautomation,andcustody:adigitalfinanceecosystemwiththetrustofcentralbanksbehindit.
No stablecoin. No dollar leg. No correspondent chain. Official central bank money on both ends, so there is less to pay for.
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Official fiat, both ends
Central bank money in, central bank money out.
⌘
No token in between
No stablecoin issuer to trust, no dollar leg to pay for.
⊙
Smart contracted
Funds release only when conditions are met.
⊹
Provable by design
Every payment anchored to an immutable hash.
What we stand for
A decentralised payment interface.
Our goal is a blockchain-powered network of central banks and sovereign currencies that transacts seamlessly. Accessible, programmable, and cost efficient for everyone on it.
Our mission
To create a secure, inclusive, and transparent financial platform that empowers every customer, whether an individual saver, a growing business, or a global enterprise, to progress in the digital economy.
Our vision
A world where money moves instantly, securely, and intelligently across borders and industries. By combining central banks, blockchain, and smart contracts, we’re building a financial system that is accessible, programmable, and cost efficient.
Our promise
A financial ecosystem of trust and transparency. Every product, every policy, and every service is designed to protect customer interests, reduce costs, and deliver value.
ProductsOne platform. Every financial service.
Banking, payments, and everything after.
Open an account. Get paid on your identity instead of an account number. Pay across 33 countries. Automate payroll and invoicing. Hold digital assets securely. All on one programmable rail.
◎Banking
Neo banking accounts
Open savings, joint, business, and professional accounts instantly.
◈Banking
Deposits & investments
Recurring deposits, multi-bank fixed deposits, bonds, and G-secs.
⇄Payments
Cross-border payments
Digital dirham to digital rupee, and 33 countries besides.
⊞Payments
Payment orchestration
One checkout for 135+ currencies, UPI, RuPay, cards, and net banking.
◉Identity
Identity-linked payments
Send and receive CBDC on a tokenised identity, not an account number.
⊘Identity
Zero-knowledge KYC
Prove a customer is verified without revealing who they are.
▥Enterprise
Bulk payments & payroll
Disburse salaries, vendor payouts, and subsidies at scale.
⌘Enterprise
Programmable custody
Hot and cold wallets with security written into the asset itself.
A look at the platform we’re buildingPartner banks and licensed channel partners listed at launch.
How it worksOne payment. Intelligent business logic at the other end.
A payment that settles itself.
A traditional gateway moves money from A to B and stops. E1 moves it, then triggers the contract logic waiting at B.
● ● ● A cross-border supplier settlementInteractive example
Your instruction
“Send ₹1,00,000 to a supplier abroad. Release it when delivery is confirmed.”
Pays out to
Verified identity, not an account number
Route
Digital rupee to digital dirham, direct
Releases on
Delivery confirmed on-chain
Fee cap₹1,500
Settlement traceFee
01
collect.acceptTake the payment in local currency
pending
02
contract.verifyCheck the delivery milestone on-chain
pending
03
swap.atomicDigital dirham → digital rupee, atomically
pending
04
ledger.anchorAnchor the fiat record to its chain hash
pending
Ready when you are₹0.00 in fees
No live rails. No money moved.Illustrative fees, not a price quote.
Fiat to fiat
Central bank money both ends. No stablecoin, no dollar leg.
Conditions enforced
Funds release only when the milestone is verified.
Audit-ready by default
Each fiat record is linked to its chain transaction hash.
Who we serveOn the horizon
Infrastructure for the whole system.
We’re building for the institutions that issue money, the banks that distribute it, the governments that disburse it, and the developers who build on top of it.
Platform preview · Planned solutions
Monetary authorities
Central banks
Issuance, settlement, and policy at the currency layer
Distribution partners
Commercial banks
The bridge between sovereign money and everyday life
Public sector
Governments
Public funds that reach their intended target
Platform preview. These solutions are not live yet.E1 is a technology provider, not a bank or licensed payment aggregator.
FAQ
Frequently asked questions
Infrastructure, not a bank.
E1 provides the technology layer. Regulated banking services are delivered through partner banks and licensed channel partners.
So, what is E1?
We’re building financial infrastructure and a payment orchestrator for programmable, central bank issued currency. Neo banking, cross-border settlement, enterprise automation, and custody sit on one platform, connected by smart contracts and a blockchain layer across countries and currencies.
What is CBDC?
Central Bank Digital Currency, also called the digital rupee, is issued directly by the Reserve Bank of India. It carries the same promise as physical cash, with the added benefit of being programmable, traceable, and workable offline.
Do you use stablecoins?
No, and that’s the point. Most cross-border digital settlement routes value through a stablecoin or a US dollar leg, which adds an issuer to trust and a spread to pay. E1 settles official fiat directly into official fiat, digital dirham into digital rupee, so central bank money sits on both ends of the transaction.
How is E1 different from a payment gateway?
A gateway moves money from A to B and stops there. E1 accepts UPI, RuPay, cards, net banking, and 135+ currencies, then triggers the cross-chain business logic waiting at the other end, anchoring every fiat payment to an immutable transaction hash for audit.
Can I be paid on my identity instead of an account number?
That’s the plan. E1 is built so a verified identity can act as the payment address, with an Aadhaar-linked wallet receiving digital rupee directly. It works on basic handsets and offline, and zero-knowledge proofs let a counterparty confirm you are verified without seeing your personal records.
Is E1 a bank?
No. E1 is a technology and neo banking infrastructure provider. We do not hold a banking, NBFC, or payment aggregator licence. Banking services such as current accounts, cards, and loans are provided by partner banks, and deposits are covered as per DICGC limits.
Can I use it today?
This is an interactive preview of the platform we’re building. You can explore the products and follow a sample cross-border settlement here. Live accounts, orchestration, custody, and cross-border rails are not switched on yet.
See a settlement end to end
Money that moves the moment it should.
Follow a cross-border payment as it clears, verifies its condition, settles by atomic swap, and anchors itself for audit. No account needed.
