Pillar I
Unified Financial Rails
Orchestrate cards, instant payments, direct debits, wallets, accounts and TXKEN instruments behind one set of APIs, policies and ledgers. Enable embedded finance anywhere the ecosystem lives.
Financial OS for Intelligent Ecosystems
The Financial Intelligence & Transaction Cloud for IMEUS-native ecosystems.
FINTXCH unifies payments, risk, liquidity and tokenized value (TXKEN) into a single AI-native financial operating layer for governments, telcos, banks, health systems and enterprises.
Agentic AI-native Financial OS
TXKEN Tokenomics & Credits
Multi-ecosystem: MEDTIUM • BIZTIUM • XO-I
Designed as the sovereign, compliant financial layer for national and cross-border EcoOS deployments.
What is FINTXCH?
A financial operating layer for intelligent, sovereign ecosystems.
FINTXCH is the financial intelligence and transaction cloud of the IMEUS EcoOS family. It abstracts complex rails, risk, liquidity and tokenomics into a single, programmable layer that can power national health OS deployments (MEDTIUM), SME & trade ecosystems (BIZTIUM), and citizen super-apps (XO-I).
Instead of every bank, telco, platform and ministry building siloed finance infrastructure, FINTXCH offers a shared yet sovereign stack – with clear roles, shared economics and algorithmic guardrails. It is where capital, policy and real-world activity meet a common financial language.
Pillar II
Intelligent Risk & Liquidity
Real-time risk scoring, program rules and working capital optimization across participants – so PPPs, banks and investors can fund ecosystems with confidence and transparency.
Pillar III
Tokenized Value with TXKEN
TXKEN turns policy and business rules into programmable value: visit credits, rewards, outcome-based payments, co-investment units and revenue-sharing instruments – all governed from one OS.
Ecosystem Stack
How FINTXCH sits inside the IMEUS EcoOS.
FINTXCH doesn’t replace banks, telcos, payment processors or regulators. It gives them a common financial language and control surface for every participant in the ecosystem – from hospitals and SMEs to citizens, conglomerates, and cross-border investors.
Agentic Apps & Services
MEDTIUM, BIZTIUM, XO-I, government portals, third-party apps, AI agents.
Clinical & Health Apps
SME & Trade
Citizen & Workforce
FINTXCH Financial OS
Ledgers, limits, pricing, funding programs, Treasury & PPP control center.
Program Design
Risk & Guardrails
Liquidity & Treasury
TXKEN Value Layer
Credits, vouchers, rewards, outcome-based units, co-investment tokens.
VisitCredits
Rewards & Loyalty
Outcome Tokens
Revenue-Share Units
Banks • Telcos • Rails • Regulators
Settlement accounts, payment processors, core banking, RTGS, compliance infrastructure.
Licensed Institutions
Regulated Rails
Supervisory Visibility
Use Cases
Built for the actors who shape real economies.
FINTXCH is not a consumer app. It is the shared financial backbone for coalitions of governments, banks, telcos, payers, platforms and real-world operators who want to move from pilots to scaled ecosystems.
Public Sector
Governments & Sovereign Funds
- Design PPP programs with explicit guardrails and revenue-sharing flows.
- Track funding, subsidies and outcome payments in real-time.
- Align health, education and SME capital under one financial OS.
Financial Institutions
Banks, Insurers & Asset Managers
- Offer ecosystem-native financing, accounts and card programs.
- Price and manage risk at participant and program level.
- Co-create tokenized instruments with clear capital treatment.
Connectivity & Platforms
Telcos, Infra & Platforms
- Embed payments, credit and TXKEN instruments into connectivity bundles.
- Turn network usage into a bridge to real-world assets and services.
- Align spectrum, infra and capital with ecosystem outcomes.
Operators
Health, SME & Enterprise Networks
- Consolidate all financial flows into a single dashboard.
- Reward behavior, quality and outcomes – not just transactions.
- Unlock new revenue models with TXKEN-native instruments.
TXKEN Value Layer
TXKEN turns policy into programmable value.
TXKEN is the native value language of FINTXCH. It lets you express policies, incentives and co-investment structures as programmable units – with full traceability, risk treatment and compliance under one OS.
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TXKEN is not a retail crypto product – it is an institutional-grade, policy-driven value layer.
Each TXKEN instrument is defined by clear parameters: issuer, rights, obligations, lifecycle, risk treatment and accounting rules. FINTXCH manages these across ecosystems so banks, telcos, payers and governments can experiment at the level of programs – not raw infrastructure.
VisitCredits & Service Units
Fundable units for clinic visits, screenings, SME advisory sessions or training – with expiry, targeting and outcome triggers, all managed in one ledger.
Rewards & Loyalty Programs
Ecosystem-wide rewards with shared funding between ministries, banks, telcos and platforms, while keeping obligations crystal-clear.
Outcome & Impact Tokens
Units linked to measurable outcomes – adherence, performance, ESG metrics – that can be funded by impact capital and tracked at ecosystem level.
Revenue-Share & Co-Investment Units
Align long-term interests by sharing upside from digital rails, platforms and data-driven services across public and private partners.
Architecture
From data and policy to real-time settlement.
FINTXCH is designed as a modular, agentic architecture: data ingested from multiple ecosystems, transformed into intelligence, expressed as programmable financial logic and executed on regulated rails.
Stage 1
Data & Context
Transaction streams, behavioral signals, program rules and contextual data from IMEUS, MEDTIUM, BIZTIUM, XO-I and external systems.
Stage 2
Financial Intelligence
Agentic risk scoring, limits engines, funding optimization and scenario simulations for programs and participants.
Stage 3
Programmable Logic
TXKEN instruments, program definitions, guardrails, approval flows and policy logic mapped into executable financial contracts.
Stage 4
Execution & Settlement
Instructions sent to banks, telcos, payment processors and core systems with clear audit trails, reconciliations and supervisory visibility.
Shape the financial OS of your ecosystem.
FINTXCH is currently being co-designed with a small circle of governments, banks, telcos, operators and investors. If you are shaping a national or cross-border ecosystem, we would like to speak with you.