we are building kova money, a self-custodial crypto neobank. it is a web3-native infrastructure designed specifically for the stablecoin economy, allowing you to spend directly via a payment card while maintaining absolute cryptographic control over your assets. no intermediaries holding your funds.

to make this seamless, we use account abstraction (erc-4337) and smart contract vaults. your wallet is deterministically deployed. when you swipe your card, our two-phase commit system instantly bridges the off-chain authorization from the merchant with the secure on-chain settlement of your stablecoins.

infrastructure requires a social contract to survive. we've designed a vote-escrow flywheel where those who hold the kova token actively influence reward distributions via a decentralized marketplace. you govern the system you use.

to make this work seamlessly, we leverage account abstraction (erc-4337) to deploy deterministically generated smart contract vaults. this removes the friction usually associated with self-custody while keeping your assets fully under your cryptographic control.

when you make a purchase, our infrastructure uses a two-phase commit system. this instantly bridges the off-chain authorization required by merchants with the secure on-chain settlement of your funds.

no middlemen holding your money. no custodial risk. just direct, verifiable transactions in the stablecoin economy.

onward.