Finorys – The Global Password-Based Payment Protocol
One Password. Instant Payments Anywhere in the World.
No more IBANs, account numbers, wallets, or middlemen.
With Finorys, a single unique Finorys Password is all you ever need.
How it works
- Every individual and institution receives a permanent, globally unique Finorys Password.
- Structured like international phone numbers (E.164 standard):
[Country Code] + [Financial Actor Identifier] + [Personalized User Sequence]
- Human-readable, optionally memorable, and cryptographically bound to the owner’s identity and keys.
- To send money: enter the recipient’s Finorys Password → confirm → instantly settled.
- To receive money: simply share your Finorys Password. No apps, no QR codes, no on-the-spot registration.
Key Technical Advantages
- Near-zero friction: average settlement < 2 seconds
- No dependency on central settlement layers – true peer-to-peer with hybrid on-chain/off-chain finality
- KYC/AML compliance embedded at password issuance (distributed only by regulated financial entities)
- Backward-compatible with legacy banking rails, forward-compatible with CBDCs and stablecoins
- Privacy-first architecture: minimal metadata exposure, optional zero-knowledge proofs for compliant jurisdictions
We’ve spent years building the invisible global infrastructure that makes this simplicity possible: from the numbering authority and real-time liquidity bridges to regulatory-grade identity binding and smart-contract settlement layers.
All the complexity stays behind the scenes.
For the user, there is only one password.
The future of money is not another app.
It’s a protocol.
We’re making encryption dramatically simpler and fully independent per password — yet still instantly recognizable who issued it.
Numbers and the Finorys Password
With Finorys, money moves from every pocket to every fingertip.
A Finorys Password is far more than a string of characters — it’s an AI-powered, adaptive financial identity that’s uniquely yours. It learns from your habits, follows your life in real time, and constantly optimizes every transaction.
In a world where true peer-to-peer payments are still considered “new,” using your Finorys Password saves you both time and money — instantly, without middlemen, without hidden fees, without delays.
One password. Infinite simplicity.
Welcome to Finorys – where global payments finally feel like the internet was always meant to be.
Your Personal Finance Director – Powered by Finorys AI
Once you make a transaction with your Finorys Password, your private AI financial assistant instantly takes over and gives you unprecedented control over earnings and expenses.
Everything under one roof:
- Real-time transaction categorization and behavioral analytics
- Personalized saving & investment recommendations (predictive AI engine)
- Automated lending, borrowing, and receivable/payable tracking
- 30–60–90 day forward cash-flow forecasting
- Smart reminders and budget optimization in real time
- Full multi-currency support with automatic FX loss minimization
- Zero-knowledge privacy architecture – your data never leaves your device and is never stored centrally
With Finorys, financial decisions are no longer guesswork — they’re driven by data, precision, and intelligence.
