Enterprise Software for
Real-time Payments at Scale.

Safe. Easy. Omnichannel

Vaiu Realtime Payments, at a glance:

  • credential-free, like cash, yet KYC/AML compliant

  • identity-protection &
    GDPR compliance

  • atomic settlement, instant and simultaneous

  • conditioned acceptance

  • programmable workflows

  • interoperable, across banks, wallets, currencies

Modern software for the modern era

Vaiu Global offers technology for simpler, more secure, and instant settlement across digital and physical surfaces.

Vaiu's technology is a software layer that works with existing financial systems, enabling cash-like digital transactions - with instant atomic settlement between parties - while being scalable, secure, and privacy-protecting.

Vaiu's unique approach mitigates the scaling deficiencies of blockchains and the insecurity and fraud risk of card transactions.

Vaiu licenses both intellectual property and proprietary technology to banks, governments, and e-commerce platforms globally. For those interested in fully integrated solutions, Vaiu partners with systems integrators who can offer full-service implementation and operations.

Why Vaiu Real-time Payments?


Made for humans

Vaiu Ephemeral Tokens are designed for computers and humans. Each token is made of common characters that you can read, write, and speak - or transmit as a QR code.

For conversational UI, voice-based interactions, remote and e-commerce transactions, Vaiu Ephemeral Tokens offer the simplest uniform user experience that protects user identity and precious personal credentials such as government issued identifiers, account and phone numbers, email, name, and address.


Built for modern economies

Vaiu's technology revolutionizes digital transactions in today's economies, offering secure, instant, and private financial exchanges. Its innovative Ephemeral Tokens facilitate easy and inclusive access, bridging the gap between advanced technology and user-friendly interfaces.

By enhancing transactional speed and security, Vaiu accelerates economic activities, supporting both rapid growth and sustainable practices.

Designed for scalability, Vaiu not only addresses current financial challenges but also prepares for future economic shifts – including DeFi and Web 3.0 – ensuring resilience and adaptability in an ever-evolving digital landscape.

Discover the power of Vaiu ephemeral tokens

Our technology is crafted by a team of experts dedicated to revolutionizing digital transactions. With the power of your own enterprise IT team, you can trust the security and reliability of the Vaiu ephemeral token processing platform that enables seamless cash-like transactions for central banks, banks, merchants, and individuals worldwide.

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Contact Vaiu Global

Contact us to learn more about our transaction platform software that enables secure, private, and instant cash-like digital transactions. We are here to serve central banks, banks, merchants, and software developers worldwide. Looking to simplify transaction processing? Let’s talk.