Path 02 · Payers

Pay from your bank.
Keep it between you and them.

Fabric-compatible payments work from any bank or wallet. You authorise through your institution's own flow. A cryptographic receipt is issued on completion. No intermediary learns more than they need to.

How it works → Your privacy ↓

How it works

Three steps. No new accounts.

You don't need to sign up for anything. If your bank or wallet supports the Fabric standard, you already have everything you need. Here's what the payment flow looks like from your side.

1

Scan or open the payment request

The merchant presents a Fabric payment request — as a QR code, a link, or embedded in a checkout page. You scan it with your bank app or wallet. The request shows you exactly what you're being asked to pay: amount, currency, who to, and when it expires.

2

Authorise from your bank or wallet

Your bank or wallet handles the authorisation through its own authentication — biometrics, PIN, or whatever you normally use. You never share credentials with the merchant or any third party. The authorisation is yours to give, and yours alone.

3

Receive a cryptographic receipt

Once authorised, your institution issues a signed payment proof. This is your receipt — cryptographically bound to the exact amount, merchant, and time. It cannot be forged, altered, or disputed away. You have it. So does the merchant. So does nobody else unless you share it.

Your privacy

The payment network doesn't need to know what you bought.

Every digital payment today exposes your transaction to the network that carries it — by design. Card networks, payment apps, and digital wallets aggregate your spending data, build profiles, and in some cases share or sell them.

Fabric-compatible payments are structured differently. The standard minimises what the network layer needs to see. Your bank knows what you paid. The merchant knows who paid them. The routing infrastructure in between doesn't need to know either.

How CashPack privacy works →
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No transaction profiling by the network

The routing layer doesn't store your spending history. It carries the payment message. That's all it does.

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Your bank authenticates you — nobody else does

Authentication stays inside your institution. Your credentials never travel to a third-party payment platform.

✓

The receipt is yours to keep and verify

A signed payment proof is issued to you on completion. No one else needs to confirm it. It does not expire and cannot be altered.

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CashPack goes further

With CashPack instruments, intermediate transfers between parties are not recorded by the Operator at all — only the issuance and the final redemption.

Transparency about the model

What is private. What isn't.

Fabric does not promise absolute anonymity — and it doesn't pretend to. It is designed to provide practical privacy for ordinary transactions, equivalent to low-value physical cash, while preserving the audit trail that regulators and law enforcement legitimately need.

Stays private from the network
Intermediate transfers in a CashPack chain — visible only to direct participants
Your spending history and transaction patterns
Your authentication credentials and bank account details
What you bought — the merchant knows, the routing network does not
Known to the Operator / your bank
Who initiated the payment (you, as the verified account holder)
Who redeemed a CashPack instrument (identity verified at redemption)
The amount locked and the amount released
The full renewal chain — available to authorised investigators under a legal order

Common questions

Things people usually ask.

Do I need to install anything or create an account? ↓
No. If your bank or wallet supports the Fabric standard, you use it through the same app you already have. There is no Fabric account, no Fabric app, and nothing to install. The standard lives inside the institutions that implement it.
Is this the same as a crypto payment? ↓
No. Fabric-standard payments are regulated, bank-issued, and settled through existing interbank infrastructure. The Stablecoin Stack uses blockchain settlement as an option for stablecoin payments, but the broader Fabric standard works across any settlement rails — including your normal bank account. There is no speculative asset involved unless you choose to use one.
What if I need to dispute a payment? ↓
Fabric-standard payments authorised by cryptographic signature are irreversible at the protocol level — there is no equivalent of a card chargeback initiated by the network. Disputes are handled directly between you and the merchant, or through your bank's standard dispute process. Your cryptographic receipt is strong evidence in any dispute.
Which banks and wallets support this? ↓
The standard is in active rollout. Check with your bank or wallet provider. If they don't support it yet, you can direct them to the Foundation's membership page — institutional adoption is driven by demand from existing customers.
Is my money safe? ↓
Your funds stay with your bank until you authorise a payment. You never sign a payment for an amount or recipient you didn't review. The cryptographic receipt you receive after payment is an independently verifiable record of what happened. The Fabric standard does not hold, custody, or move your money — your institution does, under its existing regulatory obligations.

Want to pay with Fabric?

Ask your bank or wallet provider if they support the standard. Or read how it works in detail.

How it works → Community ↗