Trust-Conditioned
Multi-Rail Payment Routing
Patent-Pending Architecture for Cross-Network Payments
CROD, LLC develops architecture for routing transactions between closed-loop mobile-payment networks and open-loop bank rails. A cross-network identity binding combines independently-produced attestations into a cryptographically-signed record. A deterministic trust score derived from that binding governs which payment rails each transaction is eligible to use — admission control, not just selection.
Each transaction runs on the fastest, lowest-cost rail that is safe for its trust level. Irrevocable rails (FedNow, RTP) require higher trust than rails with longer clawback windows (Same-Day ACH, Standard ACH). The architecture is delivered as licensed software to regulated payment operators; CROD does not custody funds.