E3 is a neutral settlement platform where banks build and own their complete settlement infrastructure via smart contracts. Banks define all policies, batching rules, and compliance logic. E3 provides the proving layer; banks own the system.
Traditional settlement systems are slow, expensive, and inflexible. Banks lack ownership of their infrastructure. E3 allows banks to build and own their complete settlement logic on secure, quantum-resistant infrastructure.
Current SWIFT transfers cost $35-$50 per transaction. E3 dramatically reduces costs through bank-defined batching and amortized proofs across the entire batch.
Traditional systems take 3-5 days. E3 settles transactions in minutes to hours with configurable timing.
Current cryptography is vulnerable to quantum computers by 2030. E3 uses quantum-resistant ZK-STARK proofs.
Manual dispute processes are slow and costly. E3 provides automated, smart-contract-driven reversals.
Per-transaction proving is inefficient. E3 generates one proof per batch (size determined by each bank) via intelligent batching.
Banks depend on platform vendors with fixed policies. E3 lets banks build and own their complete settlement infrastructure via smart contracts.
E3 is a neutral settlement platform where banks build and own their own settlement infrastructure via smart contracts on Worker Nodes. E3 provides the rails and proving; banks define all the rules.
Host the bank's COMPLETE settlement infrastructure via bank-written smart contracts. Banks own and control all settlement logic, policies, batching rules, and compliance.
Neutral, policy-agnostic settlement layer. Generate ONE ZK-STARK proof per batch (size defined by each bank). Don't enforce policies—just prove batches are correct.
Provide independent verification and audit of all settlement activity for complete transparency and trust.
Bank-defined infrastructure with policy-agnostic proving. Banks write smart contracts on Worker Nodes defining all settlement logic.
Transaction enters the bank's core banking system, which remains the source of truth for all account data.
Worker Node executes the bank's own smart contracts: KYC rules, AML checks, fraud detection, compliance policies—all 100% bank-written code.
Approved transactions accumulate according to the bank's batching rules (size, timing, risk tiers) defined in smart contracts.
When the batch is ready per the bank's rules, Worker Node creates a cryptographic commitment (Merkle root) and submits it to Queen Nodes.
Queen Nodes aggregate batches from all banks, perform netting, and generate ONE ZK-STARK proof validating the entire batch. No policy enforcement—just mathematical proof.
Each bank's Observer Nodes independently verify the STARK proof, ensuring complete transparency and audit capability.
Settlement becomes final according to each bank's refund window logic (also defined in the bank's smart contracts). Worker Node syncs results back to core system.
Real benchmarks from our December 2025 proof-of-concept. Each bank defines their own batch size—one proof covers the entire batch, regardless of size.
Banks build their own custom settlement infrastructure on E3's neutral proving layer.
Bank A writes smart contracts defining their settlement logic, policies, batching rules, and compliance—all owned by Bank A.
5 European banks collaborate to build shared settlement infrastructure via joint smart contracts on a Worker Node.
A remittance fintech builds its own settlement system with aggressive batching and high-volume handling tailored to its business.
Bank A and Bank B each build their own tokenized deposit settlement—different logic, same proving layer.
A central bank builds custom RTGS settlement infrastructure in smart contracts, replacing legacy systems.
Each bank writes smart contracts encoding its exact regulatory requirements—no one-size-fits-all policies.
E3 targets multiple converging markets where banks need secure, flexible settlement infrastructure.
E3 is a regulation-compliant platform with no technical boundaries. If your settlement logic can be expressed in smart contracts, it can run on E3—the possibilities are limitless.
Banks build corridor-specific settlement with aggressive batching (20,000 tx/s per corridor), real-time FX netting, and 10-minute finality. Market: $100B+ by 2030.
Bank A, Bank B, and Bank C tokenize deposits with instant inter-bank settlement and quantum-resistant proofs. Market: $38.7B by 2033.
Consortiums build shared settlement with escrow smart contracts, multi-party netting, and batch settlement of 100,000+ invoices/day. Market: $200B+.
Central banks settle cross-border CBDC payments with atomic multi-currency settlement, full monetary sovereignty, and independent audit. Market: $1T+.
Major asset managers enable instant T+0 settlement for tokenized funds with batch proving for high-volume trading. Market: $2-4T by 2030.
Institutions build programmable money settlement with smart contracts for conditional payments, escrow, and automated netting. Market: $500B+.
Fintechs build high-volume, low-cost settlement with batch sizes of 500,000+ transactions and 1-hour refund windows. Market: $50B+ annually.
Global network of 50+ CBDCs with atomic multi-party settlement across 10+ currencies in one batch. Market: $10T+ cross-border by 2035.
Platforms enable fractional ownership settlement with instant liquidity for illiquid assets. Market: $1-5T by 2035.
E3's path from institutional pilots to global settlement standard
2-5 banks or consortiums build settlement infrastructure on E3 for cross-border B2B, tokenized deposits, and remittances.
10-20 banks, fintechs, and stablecoin issuers building on E3 for trade finance, RTGS modernization, and tokenized bonds.
50+ banks, multiple central banks (CBDC pilots), and asset managers enable CBDC cross-border settlement and tokenized securities.
100+ banks, 20+ CBDCs, global interoperability network for multi-currency CBDC settlement and tokenized real estate.
E3 is a neutral settlement platform where banks build and own their own settlement infrastructure via smart contracts on Worker Nodes. E3 provides the rails and proving; banks define all the rules.
E3 provides the rails and proving infrastructure. Banks build and own their complete settlement logic via smart contracts.
Settlement logic written by banks as smart contracts. Banks own and control everything.
One STARK proof covers an entire batch, regardless of size. 10-200× more efficient than per-transaction proving.
Banks write ALL their settlement logic, policies, batching rules, and compliance in their own smart contracts.
Bank smart contracts and business logic are never seen by E3. Only cryptographic batch proofs are shared.
Queen Nodes don't enforce policies—they prove batches are correct. All policies defined by banks.
Worker Nodes wrap existing systems. Banks control everything via smart contracts; core unchanged.
STARK-based proving provides 5-10 year advantage before others must upgrade.
More banks × more Queen Nodes = linear throughput. No network congestion as adoption grows.
E3 is the only solution that lets banks build and own their complete settlement infrastructure while providing quantum-resistant batch proving.
Infrastructure ownership: E3 lets banks own infrastructure via smart contracts; traditional platforms own and control the entire system with fixed policies.
Customization: E3 is infinitely customizable per bank; platforms enforce standard, one-size-fits-all policies.
Cost: E3 dramatically lower via bank-defined batching; traditional systems have high fixed costs.
Ownership: E3 banks own and control their infrastructure privately; public blockchains are immutable and globally visible.
Privacy: E3 policies and logic are completely private; blockchain smart contracts are public and auditable by anyone.
Efficiency: E3 batch proving (custom sizes) vs. Bitcoin ~2,000 tx/block or Ethereum ~150 tx/block.
Ownership: E3 banks write and own all infrastructure; rollups are pre-built platforms with fixed architectures.
Customization: E3 banks define everything in smart contracts; rollups have predefined execution environments.
Focus: E3 is purpose-built for institutional settlement; rollups are general-purpose blockchain scaling solutions.
Ownership: E3 lets banks own complete infrastructure; others impose pre-built systems banks must adopt.
Flexibility: E3 is completely flexible—banks write all logic; others have fixed parameters and policies.
Proving: E3 is batch-optimized with quantum-resistant STARK proofs; many others use per-transaction proving or non-quantum-resistant cryptography.
Common questions about building settlement infrastructure on E3. Click to reveal answers.
Yes—that's the point. Worker Nodes wrap your existing system. You write smart contracts on top that define new settlement logic, but your core system remains unchanged. E3 integrates non-invasively.
No. E3 provides smart contract SDKs and templates as reference implementations. But you write your own policies. Banks have regulatory obligations requiring customized logic; one-size-fits-all doesn't work.
Banks are responsible for auditing their own smart contracts, just like any mission-critical software. E3 provides templates and best practices, but banks own the code and the risk.
No. Your smart contracts run on your Worker Node. E3 only receives cryptographic batch commitments. Your policies are completely private.
Yes. You update your smart contracts on your Worker Node at any time. E3 infrastructure stays the same. You have complete control over your own system.
No. Each bank writes its own batching logic in smart contracts. One bank can use aggressive batching (large batches, frequent), another can use conservative batching. E3 supports all approaches simultaneously.
Yes. You define netting logic in your smart contracts. E3's Queen Nodes execute whatever netting logic banks collectively agree on through their submitted batches.
Each bank's policies apply only to that bank's infrastructure. Banks interact at the batch level through E3's Queen Nodes. Policy conflicts are avoided by design—no global policy exists.
Traditional platforms (SWIFT, ACH, Ripple) impose system-wide policies all banks must follow. E3 lets each bank own its infrastructure and define its own policies. Banks can compete on settlement innovation, not just adopt a standard platform.
Don't adopt a platform—own your infrastructure. E3 provides the neutral proving layer; you write the smart contracts defining your settlement logic.