Send & request
Choose a contact, enter an amount, add a note, and follow the payment through to a clear receipt.
AVAILABLE IN THE DEMO FLORIDA FIRST. BUILT WITH INTENT.
Everyday payments.
A considered
way forward.
A simpler way to send, request, split, and exchange dollars, stablecoins, and cryptocurrency—being developed around a clearly defined banking and compliance model.
Pre-launch concept. Demo only. No real funds move.
PRODUCT CLARITYDEFINED RESPONSIBILITIESVERIFIABLE READINESS
01 / THE PRODUCT
Simple for people.
Considered behind the scenes.
Cybersaultus brings everyday payment and conversion journeys into one interface. The existing demo makes send, request, split, and crypto-to-stablecoin exchange tangible while the production model remains subject to review.
Demo · no real funds
cybersaultusDemo portfolio
$2,191.90
USD, stables, and crypto
USD 482.10
USDC 250.00
USDT 175.00
BTC 0.00842
ETH 0.214
SendRequestSplitSwapAdd
Waiting on you
R
Rico M. requestedUber split · 1h ago
$42.00L
Lena V. requestedCoffee · 3h ago
$12.00Split & keep track
Divide a shared expense and review requests, activity, and transaction details in one place.
AVAILABLE IN THE DEMOExchange crypto & stables
Convert USD, USDC, USDT, Bitcoin, and Ethereum in the demo wallet at a quoted rate with a disclosed spread.
AVAILABLE IN THE DEMOFund & spend
Explore bank-connected funding, withdrawals, and a future branded debit or prepaid card with an approved issuer.
PROPOSED · PARTNER DEPENDENTPROPOSED INITIAL SCOPE
Florida residents · USD payments · USD stablecoins and selected cryptocurrencies in the demo
Final eligibility, payment rails, transaction limits, fees, and launch timing will be agreed with the selected partners. Expansion requires a separate review.
02 / THE OPERATING MODEL
The experience is ours.
The structure comes first.
A partner-led model is the starting point for discussion. Who holds funds, who executes transfers, and who carries each obligation must be explicit in the final arrangement.
CUSTOMER EXPERIENCE
Cybersaultus
Product interface, customer communication, and program operations within an agreed scope.
Approved instructions & account information
REGULATED INFRASTRUCTURE
Bank / licensed payments partner
Account and funds structure, payment execution, and oversight as defined by the legal model.
Authorized transfers & settlement
PAYMENT NETWORKS
Approved rails
Bank transfers, and if approved separately, an issuing program and a digital-asset conversion venue.
Proposed architecture—not a live funds flow.
No bank, licensed payments provider, or card network partnership is represented as signed. Customer funds are not accepted by this demo.
Funds & ledger design
The final design needs to establish legal custody, account ownership, customer entitlements, settlement timing, and a daily reconciliation process. Customer funds and company operating funds must have clearly defined treatment.
A written allocation of responsibilities
Agreements should assign onboarding, sanctions screening, transaction monitoring, reporting, disputes, complaints, record retention, audit access, incident response, and orderly program termination.
03 / COMPLIANCE & READINESS
Trust needs evidence.
Here is the work ahead.
This is a proposed readiness framework, not a statement that these controls are implemented or independently validated. Production requires documented owners, procedures, testing, and approvals.
Establish the right legal perimeter.
Florida is the intended initial market. A Florida-only launch still requires an analysis of applicable state and federal obligations and controls around customer and transaction geography.
- Entity & ownershipConfirm the operating legal entity, beneficial ownership, governance, and financial resources.
- Florida authorizationObtain counsel’s analysis of Chapter 560. Determine whether a direct license, an authorized-vendor arrangement, or another legally supported structure applies.
- Federal classificationDetermine FinCEN MSB registration and BSA obligations for the actual activities, including any virtual-currency exchange. A bank relationship does not automatically resolve the fintech’s own obligations.
- Evidence & approvalsDocument the funds flow, obtain required authorizations, and execute the partner agreements before enabling real-money activity.
Make financial-crime controls operational.
A policy document is a starting point. The applicable program needs accountable people, working procedures, evidence of execution, and review proportionate to the risks.
- Risk assessment & oversightAssess customers, products, geography, channels, and partners. Designate a qualified compliance lead and define management escalation.
- Onboarding & screeningAgree customer identity checks, applicable due diligence, sanctions screening, and escalation rules with the regulated provider.
- Monitoring & reportingDefine alerts, investigations, suspicious-activity escalation, legally required filings, and retention. Assign filing responsibilities without assuming they can all be outsourced.
- Training & independent reviewTrain relevant staff and arrange independent review at a frequency appropriate to risk and applicable requirements.
Protect the full customer journey.
Before onboarding customers, the program needs a clear account structure and a tested process for exceptions, disputes, and the return of funds.
- Custody & reconciliationIdentify the account holder and the party holding funds; match customer entitlements to partner records and investigate differences daily.
- Limits & fraud operationsSet risk-based limits, funding availability rules, return handling, account restrictions, and processes for compromised accounts.
- Disclosures & supportPrepare accurate fees, availability, privacy, error-resolution, and complaint disclosures; assess applicable Regulation E and prepaid-account requirements.
- Continuity & exitAgree access to records, customer notices, service continuity, partner termination, and the controlled return or transfer of funds.
No deposit insurance claim is made for Cybersaultus or the demo. Any future disclosure depends on the actual bank and account structure.
Build controls that can be examined.
The proposed security workstream connects technical safeguards with operational ownership, supplier review, and evidence suitable for partner diligence.
- Access & data protectionImplement least-privilege access, strong authentication, encryption, data minimization, and a documented retention schedule.
- Change & incident managementMaintain reviewable changes, security logging, response procedures, and agreed incident-notification responsibilities.
- Supplier & resilience reviewEvaluate critical vendors, continuity and recovery plans, subcontractors, and partner audit rights.
- Independent validationArrange security testing and remediation before launch; determine PCI DSS scope for any card program. No SOC 2 or PCI certification is claimed.
These are proposed controls. Testing, staffing, and audit evidence remain prerequisites to be established.
04 / THE PATH TO LAUNCH
Milestones before momentum.
A sequence of decision gates, rather than a promised launch date. The live product should proceed only after the necessary legal, partner, and operational approvals.
- 01CURRENT PRODUCT STAGE
Demonstrate
Review the consumer journeys in a simulated wallet. Validate the intended use case and proposed Florida scope.
- 02NEXT GATE
Structure
Confirm the legal entity, funds flow, licensing analysis, partner fit, and commercial assumptions.
- 03BEFORE LIVE ACTIVITY
Validate
Execute agreements, secure required authorizations, implement controls, and complete operational testing.
- 04CONDITIONAL
Launch carefully
Introduce an approved, limited program with agreed limits, monitoring, support, and explicit expansion gates.
05 / PARTNERSHIP REVIEW
A clear starting point
for the right conversation.
Seeking alignment with a regulated banking or payments provider that can evaluate a Florida-focused consumer wallet, including a proposed digital-asset conversion path, and define a viable path to production.
What we want to establish together.
- Whether consumer P2P, stored balances, and digital-asset conversion fit the partner’s program appetite.
- The account, custody, funding, withdrawal, and settlement model.
- Licensing coverage and a written allocation of compliance duties.
- Economics, minimum commitments, fraud reserves, and readiness requirements.
- A separate assessment of a future Visa-branded debit or prepaid card.
- A separate assessment of cryptocurrency and stablecoin exchange, including custody, conversion venue, and virtual-currency obligations.
A discussion document. Not a license application or evidence of partner approval.
QUESTIONS, ANSWERED
Clarity at every step.
The status and limits of the current concept, in plain language.
Can I send or deposit real money today?
No. The current Cybersaultus wallet is an interactive demonstration. Its balances and transactions are simulated. It does not accept deposits, execute live transfers, or issue payment cards.
Is Cybersaultus licensed or partnered with a bank?
This site does not represent Cybersaultus as a licensed money transmitter, an approved bank program, or a registered MSB. No executed banking or payments partnership is represented here. The legal entity, required authorizations, and agreements must be established and verified before launch.
Does a bank partnership remove the need for a license?
Not automatically. The answer depends on the actual activities, funds flow, contracts, and applicable law. Florida licensing and federal BSA obligations need separate analysis. A bank’s exemption or a provider’s license should not be assumed to cover every activity of the app.
What would a Visa-branded card require?
A future card would require an eligible issuing bank or sponsor, an approved program and processing arrangement, and applicable network and brand approvals. Visa is a potential future network choice, not a current partner. No Visa card is available through Cybersaultus today.
Why begin with Florida?
A focused initial geography helps define the customer, operating requirements, and partner discussion. It does not remove federal obligations or settle the treatment of out-of-state recipients. Any broader reach needs a separate legal and operational assessment.
Is there a fee to use the demo?
No. The Cybersaultus demo is free to open and tap through. It is not a wallet deposit, investment, bank account, or payment-service authorization.
Can I exchange cryptocurrency or stablecoins for real value?
No. The demo lets you convert simulated USD, USDC, USDT, Bitcoin, and Ethereum at a quoted rate so partners can review the journey. Those balances are not real assets, the quotes are not live market orders, and no virtual-currency exchange is operating.
A PRODUCT YOU CAN EXPLORE. A PLAN YOU CAN REVIEW.