Four layers.
One API call.
Every payment flows through four layers — each handling a distinct concern. Your code only touches layer 04. The rest is Proco.
Three chains.
Auto-routed.
Proco routes each transaction to the optimal chain based on current network conditions, destination country, and p99 latency. No configuration needed — override when required.
Non-custodial by design.
Not by policy.
Most payment infrastructure — even modern stablecoin rails — holds funds in transit. Proco's protocol is non-custodial at the core: funds move directly from sender to recipient on-chain. No escrow, no intermediary balance sheet, no counterparty exposure.
No MTL required
Because Proco never holds customer funds, the Money Transmitter Licence burden doesn't apply to the majority of use cases. Deploy globally from day one.
No counterparty exposure
Your USDC moves directly between on-chain addresses. At no point does Proco hold a balance on your behalf. Funds are never at risk from Proco's operational status.
Immutable on-chain receipt
Every settled payment creates an immutable on-chain record. The txHash, amount, timestamp, and compliance reference are verifiable by any party, at any time.
Rules travel with the funds
Compliance logic, spend policies, and conditions are encoded at the protocol level. They execute atomically with settlement — no async middleware, no race conditions.
Compliance travels
with the payment.
Set compliance: 'auto' and Proco handles the full compliance stack automatically. The rules are evaluated at the moment of trigger — before funds ever move.
Every condition met
is a payment fired.
From trigger to on-chain confirmation, p99 under 30 seconds. The flow is deterministic — the same four steps every time, with a full audit trail at each stage.
Infrastructure you
can audit.
Every component of Proco's protocol is designed with auditability in mind — from on-chain transaction records to HMAC-signed webhook delivery.
SOC 2 Type II
Annual third-party audit of security controls, availability, and confidentiality. Report available under NDA.
Non-custodial architecture
Proco never holds customer funds. Verified by design — no escrow smart contracts, no custodial wallets.
OFAC + UN + EU sanctions
All parties in every transaction are screened against live consolidated sanctions lists before funds move.
FATF Travel Rule
Originator and beneficiary information is collected and transmitted for qualifying transactions, automatically.
On-chain audit trail
Every settlement creates an immutable on-chain record. Any party can verify txHash, amount, and timestamp independently.
ISO 27001 (in progress)
Formal information security management certification currently in scope. Expected Q3 2026.
Read the protocol docs.
Deep technical reference, API spec, and integration guides — all in the developer docs.