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ROOTSFI The payment layer of programmable money.
ROOTSFI
Company Overview.
Description.
RootsFi is a financial technology company building a non-custodial payment network that connects traditional financial systems with decentralised networks. Founded in 2024, the company operates four core products: the Roots App (a consumer mobile wallet with virtual and physical Visa/Mastercard cards, NFC tap-to-pay, and vaults earning 4.0% APY), Roots Pay (merchant NFC acceptance with same-day settlement), CIMS (Chain-based Interbanking Messaging System — an institutional-grade identity and orchestration layer for bank-to-bank settlement), and Bridge by Roots (USDC transfers between Ethereum and Canton Network). The platform also includes a DeFi protocol on Berachain that enables minting of the MEAD stablecoin against collateral and earning rBGT governance rewards.
RootsFi operates on Base Sepolia (testnet) for CIMS, with MEAD and BGT on Berachain for the DeFi protocol. The company integrates with Sumsub for KYC/AML, Bridge and Circle for fiat banking rails, Privy for Web3 authentication, and Turnkey for non-custodial wallet secure enclaves. RootsFi, Inc. is a Delaware corporation registered at 16192 Coastal Hwy, Lewes, Delaware 19958. No funding rounds or valuation data are publicly available. The company describes itself as "a financial technology company, not a bank or a Money Transmitter (MTL)."
Key Infrastructure.
Routes transfers through standardized bank-readable IDs (e.g., "R-233-2993204") using a non-custodial, permissionless network with two-tier governance for bank-to-bank trust and coordination.
Provides sub-second finality, on-chain identity, bilateral compliance, and a max finality window of 30 days.
Offers non-custodial wallet, virtual and physical Visa/Mastercard debit cards, 5 spending tiers (Standard, Silver, Gold, Platinum, Elite) unlocked by account progression, NFC tap-to-pay, vaults earning 4.0% APY, gift cards, scheduled payments, Cash Agents for P2P cash deposit/withdrawal, and daily rewards gamification.
Enables contactless payments via NFC with same-day settlement directly to merchant bank accounts, bypassing legacy correspondent banking networks.
Integrates alongside existing card schemes on standard merchant terminals with no FX spread.
Supports private settlement to SEPA or ACH bank accounts upon withdrawal, allowing institutions to move funds between public and private blockchain environments without exposing transaction details.
Users earn rBGT governance rewards passively while maintaining positions.
Includes a Stability Pool for staking MEAD to earn liquidation rewards.
MEAD is fully composable across Berachain DEXs and lending markets.
Supports real-time webhooks, 100% type-safe APIs, and programmable routing for automated payroll, subscriptions, and marketplace payouts via non-custodial smart contracts.
Additional Features.
General Questions.
RootsFi operates a non-custodial payment network with four products: the Roots App (consumer wallet + debit card), Roots Pay (merchant NFC acceptance), CIMS (institutional interbanking messaging), and Bridge (Canton-Ethereum asset bridge). It also runs a DeFi protocol on Berachain for minting the MEAD stablecoin.
RootsFi targets multiple audiences: financial institutions (CIMS), merchants (Roots Pay), individual consumers (Roots App), and developers (SDK/API). Specific client names are not disclosed.
RootsFi, Inc. is a Delaware corporation described as "a financial technology company, not a bank or a Money Transmitter (MTL)." Banking services are provided by regulated partners (Bridge, Circle). No specific license numbers are publicly available.
Berachain (MEAD, HONEY, BERA, BGT), Ethereum (USDC, ETH), Canton Network (USDCx), Base Sepolia (testnet). Stablecoins: MEAD, USDC, HONEY.
