01
Settlement on transfer
Finality is a property of the transfer rather than of a later batch, so there is no interval in which the two sides disagree about what has happened.
Implementations FinTech
PhillipCapital
Value moves directly between counterparties. Settlement happens on transfer, with a traceable history and no network transaction fee.
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Overview
Institutional settlement on peer-to-peer rails.
Cross-border institutional settlement is slow for structural reasons rather than technical ones. Value passes through a chain of correspondents, each of which adds a reconciliation step, a cut-off window, a fee, and a point at which the two sides' books disagree until someone resolves it.
On Rubix the transfer is the settlement. Value moves directly between the two counterparties without waiting for inclusion in a global block, and because each token chain carries its own independent state, transfers between unrelated parties do not queue behind one another for shared capacity.
The transaction's history stays with the token rather than being reconstructed from two institutions' separate ledgers, which is what makes the audit position straightforward: there is one retained record of what moved, in what order, under whose authority, and no network transaction fee levied against the transfer itself.
What it uses the graph for
Four things it can prove.
02
Cross-border by default
Direct peer-to-peer movement removes the correspondent chain and the reconciliation step attached to each hop.
03
No network transaction fee
The protocol does not levy a fee against the transfer, which changes the economics of high-frequency and low-value flows.
04
Retained transaction history
Each token carries its own ownership and movement record, so the audit trail is intrinsic rather than assembled after the fact.
Live proof
PhillipCapital, as it stands right now.
UnavailableSettled transfers
UnavailableCounterparties
UnavailableCorridors
UnavailableMedian settlement
UnavailableNetwork fees paid
UnavailableAvailability
No approved data contract for this implementation yet. Every tile shows the honest empty state rather than a placeholder number.
Other implementations