Financial infrastructure · Private beta

Your money.
Under your control.

BPal is not a banking app. It is a private financial platform — built on a real ledger, with programmable controls, card issuance, and risk systems that run beneath every transaction.

Create account →See how it works
Double-entry ledger
Secure financial accounts
Card issuance
Fraud detection
Programmable rules
Real-time balances
100%
Ledger-backed balances
<80ms
Transaction settlement
24/7
Fraud monitoring
0
Hidden fees
01 · What this is

Not a wallet.
Not a bank.
Infrastructure.

Most financial apps are wrappers. They sit on top of someone else's infrastructure, enforce someone else's rules, and give you a view — not control.

BPal is different at the stack level. Every balance is backed by a double-entry ledger. Every transaction is a ledger entry first, a payment second. The accounting is not an afterthought — it is the foundation.

You get programmable controls. Spend limits that you set. Cards you can freeze, restrict, or scope to a single merchant category. Accounts that support multiple currencies. And a fraud system that flags anomalies before they become problems.

In plain terms
If your current bank is a retail storefront, BPal is the financial OS running beneath it — except you have the keys.
02 · Core capabilities

Built for
real use.

Every feature below exists in the system today. Not on a roadmap. Not "coming soon."

CAP_01
Ledger-Backed Accounts
Every account is a ledger account. Balances are always accurate. No reconciliation lag.
Hold multiple currencies in one account
Real-time balance updates on every entry
Full audit trail on every credit and debit
CAP_02
Internal Payments
Move funds between accounts, users, or entities instantly. No rails, no delays, no fees for internal transfers.
Instant settlement between BPal accounts
Batch payments with a single instruction
Programmable routing rules
CAP_03
Card Issuance & Control
Issue physical or virtual cards. Define exactly how each card can be used — by merchant, category, amount, or time.
Freeze or unfreeze cards in real time
Set per-card spend limits and categories
Instant transaction notifications
CAP_04
Deposits & Withdrawals
Fund your account via bank transfer, crypto on-ramp, or direct deposit. Withdraw on your terms.
ACH, SEPA, and SWIFT support
Crypto on-ramp and off-ramp
Withdrawal whitelists you control
CAP_05
Fraud Detection
A rule engine that monitors every transaction as it happens. You set the rules. The system enforces them.
Velocity checks and pattern alerts
Geo-restriction by IP and card region
Automatic block + notification on breach
CAP_06
Financial Controls
Approval flows, role-based access, and spending policies. Built for individuals who want structure and teams who need it.
Multi-signature approvals
Read-only observer roles
Spend policy enforcement at account level
03 · Architecture

Built differently, at the level that matters.

Ledger-first
The ledger is the source of truth
Every transaction starts as a ledger entry. Balances are computed from entries — not stored as numbers that drift. This means zero reconciliation errors, a full audit trail for every account, and balances you can trust at any point in time.
Programmable controls
Rules that run before money moves
Every outgoing payment, card swipe, or withdrawal is evaluated against your control rules before it executes. Not after. This is the difference between a system that reports what happened and one that prevents what shouldn't.
Real-time risk
Fraud detection that doesn't sleep
The fraud engine monitors behavioral patterns, transaction velocity, and geographic signals around the clock. Anomalies are flagged in milliseconds. Actions — blocks, alerts, holds — happen automatically without waiting for a human review queue.
Unified stack
Multi-currency support in one ledger
Most systems treat different currencies as separate products bolted together. In BPal, all currencies live in the same accounting layer. A transfer from your USD account to your EUR account is a single ledger movement — not two systems talking to each other.
General Ledger · Account #0x44AF · Live view
SYNCED
Entry IDTypeDescriptionCreditDebitBalanceStatus
LDG-0041DEPOSITACH inbound · Chase ****1843+5,000.00—12,840.55SETTLED
LDG-0042CARDStripe · Merchant #SG-904—−142.0012,698.55SETTLED
LDG-0043CONVERSIONCurrency conversion · 0.018 BTC equivalent+1,103.22—13,801.77SETTLED
LDG-0044TRANSFERInternal · Sub-account OP-02—−2,000.0011,801.77SETTLED
LDG-0045CARDAWS · Recurring charge—−89.0011,712.77SETTLED
04 · Security

Safe. Not because we say so.

[ENC]
End-to-end encryption
All data in transit and at rest is encrypted with AES-256. Keys are scoped per account and rotated automatically.
[2FA]
Hardware-level 2FA
Every session requires a second factor. Passkeys, TOTP, and hardware security keys are all supported. SMS is not.
[LOG]
Immutable audit logs
Every API call, login, card swipe, and ledger entry is logged and tamper-proof. You can audit everything. So can we.
[ISO]
Enhanced security option
For certain accounts, you can opt for enhanced security mode. Your access remains fully protected. We maintain secure infrastructure safeguards.
05 · Beta Access

Ready to take control?
Create your account now.

BPal is in private beta. We are onboarding users who want real financial infrastructure — not another app with a pastel card and a round-up feature.

If that sounds like you, join the beta. You can start using BPal immediately after creating your account.

Join the beta

No spam. No sales calls. We will onboard qualified users to the beta.