Programmable Fiat Framework

Programmable Digital Dollar with a Safety Net

T3 gives institutions a compliant, reversible stablecoin rail where every transfer can be governed, audited, and—when the unexpected happens—safely unwound.

Born from a $44,000 fraud loss; now architected for the regulators, banks, and builders who demand better money.

Request a Demo See How It Works Read the Origin Story
$44K
Spear-phishing loss that sparked HalfLife
38
Diamond facets delivering modular controls
800+
Automated tests validating Money 2.0
Gasless
Meta-transactions for frictionless UX

Reversible by Design

Authorized operators can unwind mistakes within a governed HalfLife window while maintaining on-chain transparency for auditors.

Hours, not weeks Recalls finalize in the same system that issued the funds—no phone trees or manual clawbacks.

Enterprise-Grade Controls

KYC hooks, allow/deny lists, and Protect fee accruals are built into the framework so compliance teams have day-one coverage.

Policy automation Rules update instantly across 38 modular facets with a single governance action.
Cambio Offline Notes Cambio offline notes illustration

Making Access Ubiquitous By Bridging The Digital Divide

Cambio Offline Notes - Empowering Users Everywhere

Cambios issue paper-ready notes with a keccak256 identifier and 5-character checksum. Every handoff inherits HalfLife reversibility, Protect coverage, and audit trails—online or off.

1

Issue

Licensed Cambio escrows T3 and prints or writes the note plus checksum and QR.

2

Hand Off

Holder shares the phrase + checksum or scans the QR for an offline, bearer-style transfer.

3

Redeem

Recipient proves knowledge of the phrase, unlocks escrow, and generates an immutable receipt.

Try the Cambio Demo View Architecture

Why Financial Leaders Choose T3

Clear benefits for compliance officers, risk teams, developers, and the customers they serve.

Compliance Built In

On-chain policies, KYC integrations, and auditable logs help institutions satisfy regulators from day one.

Risk Teams Gain Control

HalfLife reversible transactions and SmartLock freezes convert costly mistakes into routine adjustments.

Modular for Builders

Diamond architecture with 38 facets, upgrade-safe storage, and documented selectors make integrations straightforward.

Frictionless User Experience

Gasless meta-transactions and programmable fee rails deliver a web2-smooth experience for end customers.

Use Case Spotlight: Wire Recall in Minutes

See how a major bank prevents a six-figure loss by reversing a fraudulent transfer with T3.

The Incident

A corporate customer wires $125,000 to a fraudulent account. Under legacy rails the money is gone, but T3’s HalfLife policy holds the transfer in a governed window.

  • 00:00 – Funds move to the recipient wallet with a 24-hour HalfLife.
  • 02:17 – Risk team flags the transaction via automated alerts and triggers SmartLock.
  • 02:19 – ReverseUnlock returns funds to the originator while preserving the audit trail.

Why It Matters

  • Regulators: Immutable event logs satisfy reporting requirements without manual reconciliation.
  • Bank Ops: No chargeback wars or interbank phone calls—recall authority is embedded in the protocol.
  • Customers: Trust soars when mistakes are fixed in hours instead of written off as unrecoverable losses.
  • Analog fallback: Cambio notes carry a keccak256 ID plus a 5-character checksum so you can handwrite or scan them anywhere—try the demo.
Explore the Scenario

Born from Adversity, Built for Accountability

Our founder lost $44,000 in minutes. No bank, no regulator, and no blockchain had a remedy—so we engineered one.

APR 2025

HalfLife Undo Button Invented

Designs a reversible transaction primitive that keeps instant settlement while offering an authorized recall window.

JUN 2025

Diamond Architecture Deployed

Implements 38-facet upgradeability so every control—rules engine, Protect insurance, SmartLock—stays modular and auditable.

TODAY

Money 2.0 Ready for Pilots

781+ tests validate the stack, Avalanche deployments run in the wild, and partners line up for compliance-first digital cash.

From a $44K loss to a safer financial system.

Read how the origin story informs T3’s mission, governance philosophy, and relentless focus on protecting consumers.

Explore Our Story

Core Innovations that Set T3 Apart

Every module is purpose-built for regulated digital cash—simple to explain to executives, deep enough for developers.

HalfLife Transactions

Programmable reversal windows give institutions an on-chain undo button without compromising settlement speed.

SmartLock & ReverseUnlock

Designated administrators can freeze or unwind funds under governance, with every action logged for auditors.

T3 Protect Insurance

Programmable fees accrue into a mutualized insurance pool so losses are absorbed by design—not written off.

Rules Engine & Relayer

Compliance logic, gasless UX, and event streaming keep institutions in control while end users enjoy seamless payments.

Ready for a deeper technical dive?

See the HalfLife demo, selector maps, and policy modules inside the T3Token Diamond.

View Technology Overview Try Gasless Relay
Built for regulators

Transparent, auditable, and ready for oversight.

38 facets Modular Diamond design for safe upgrades.
781+ tests Coverage across HalfLife, Protect, and Cambio flows.
Gasless UX Meta-transactions keep clients out of gas management.

Let’s Build Safer Money Together

Whether you’re a bank, regulator, or integrator, we’ll help tailor a compliant programmable fiat pilot.

Request a Pilot or Demo
Email the team at jesse@t3token.io to schedule a session.
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Explore the Code
Email us to request access to review the full programmable fiat stack on GitHub.

Need technical documentation?

Access the white paper, API references, and integration guides tailored for engineers and compliance teams.

Visit Developer Docs