Kronos // Bootv4.2.0 · build 2026.11
  • 01ledger.shards64/64
  • 02rails.handshake14 OK
  • 03hsm.attestVERIFIED
  • 04edge.routes212 POPs
  • 05risk.modelsWARM
  • 06control.planeNOMINAL
Initialising control plane
000%

[00 // Clearing network]

50.1109° N, 8.6821° E

New

Meridian retires its batch core — 0 min cutover

Clearing infrastructure
for capital that moves
at machine speed.

Clearing infrastructure
for capital that moves
at machine speed.

Kronos is the deterministic ledger, routing and risk layer behind 43 regulated institutions. 2.1B transactions a quarter, 14 payment rails, a 12ms settlement p99 — and not one reconciliation break the auditors had to chase.

Request architecture review

In production at

Meridian°

Halcyon°

Northwind°

Atlas°

Sable°

[01 // Platform — live simulation]

Drain a node to watch traffic re-route in real time

Control Plane// prod · multi-region
6/6 nodes routing
Throughput
––tps
Settlement p99
––ms
Success rate
––%
Settled QTD
––
tpsp99
−18s−12s−6snow
Edge nodesclick to drain
TransactionRailAmountNodeLatencyStatus
txn_fa169e5dSEPA InstEUR 163,967.61FRA-16.6ms● settled
txn_8da6bf2cSWIFT gpiUSD 186,603.67LHR-24.2ms● settled
txn_32779664PIXBRL 23,925.22SIN-116.2ms● settled
txn_3f5e5c93RTPUSD 324,648.75GRU-121.9ms● settled
txn_8c4344a9FedNowUSD 212,282.76LHR-23.6ms● settled
txn_ae1a700eSWIFT gpiUSD 432,683.94SIN-120.4ms● settled

[02 // Architecture]

[02 // Architecture]

Six primitives. Every one of them is load-bearing in production today.

Interact with each module — they run the same logic as the production SDK, compiled down to the browser.

A / 06

0 duplicate postings since 2023

Idempotent by construction

Every write carries a key derived from the instruction itself. Replays return the original result byte-for-byte — retries can never double-post.

201 Created·8.4ms·first write
1{
2  "id": "trf_01JD8Z4K3QW9",
3  "status": "settled",
4  "settled_at": "2026-11-11T14:22:07.412Z",
5  "latency_ms": 8.4,
6  "ledger": {
7    "entries": 2,
8    "balanced": true,
9    "block": 18442017
10  },
11  "risk": {
12    "score": 0.031,
13    "decision": "allow",
14    "model": "kronos-risk-m"
15  },
16  "idempotent_replay": false
17}

B / 06

18.4M blocks sealed

Hash-chained ledger

Postings are sealed into blocks every 1.9s, each committing to the previous digest. Tampering is mathematically visible.

Ledger // append-only#18,442,015
blk 18,442,015 · 2,488 entries
sha 49d70ffd5899bde2eb54ee6fc1193b960578238f56fe34b36afbed1f3f7c1d07
prev 659f4904f86b756b8950135b…
Sealed
blk 18,442,014 · 2,091 entries
sha 659f4904f86b756b8950135beeeba519f64efe48ef08b1b660bfa0737de84ec5
prev 06cc49679f786af0584c5b88…
Sealed
blk 18,442,013 · 2,594 entries
sha 06cc49679f786af0584c5b88f1b7c71fd029f4c62d79bf765ce36ae8def1ab9e
prev 65e55e12408e67c682de4206…
Sealed
blk 18,442,012 · 2,197 entries
sha 65e55e12408e67c682de42068301eb85577c63f5e5cc1b783c9dc8b108855419
prev 18c998c357b876568d59fc01…
Sealed
blk 18,442,011 · 1,800 entries
sha 18c998c357b876568d59fc01eadf1b30ca04b96303111826514312a37575319a
prev 000000000000000000000000…
Sealed

C / 06

Median ingress 4ms

212-POP edge routing

Instructions enter at the nearest point of presence and ride a private backbone to the settling region.

SFOIADGRULHRFRAJNBBOMSINNRTSYD
FRA→LHR
10ms
FRA→BOM
35ms
FRA→JNB
44ms

D / 06

31ms p99 at 9.2k decisions/s

Budget-aware inference

Set a latency budget per flow. The router picks the most accurate risk model that fits — it degrades, it never times out.

24ms
kronos-risk-xl34ms0.962
kronos-risk-m18ms0.948
kronos-risk-s7ms0.921
rules-only1ms0.874

E / 06

0.4ms median evaluation

Policy as code

Sanctions, velocity and fraud rules versioned in Git, evaluated before any rail is eligible, with a signed trace.

Decision · 0.4msREVIEW

F / 06

6 regions · 6 frameworks

Audit-ready on day one

Evidence packs, residency controls and regulator notifications ship with the platform — not as a consulting engagement.

● Audited annually · last report Aug 2026 · 0 exceptions

Data residency% of ledger volume
Frankfurt38%
Dublin14%
London12%
Virginia22%
Singapore9%
São Paulo5%

[03 // Case Studies]

[03 // Case Studies]

Systems we replaced. Numbers the CFO signed off on.

Six engagements across clearing, AI infrastructure and regulated design systems. Every metric is audited post-launch.

FinTech Core

2026

Meridian Clearing

// EU · SEPA Inst

Replacing a 1998 batch core with sub-second settlement

12ms p99

Settlement

−99.2%

Recon breaks

AI Infrastructure

2026

Atlas Underwriting

// US · FedNow

Real-time credit inference on a 40ms risk budget

+340%

Approval rate

31ms

Inference p99

Design Systems

2025

Halcyon Bank

// UK · FCA

One design system for 14 regulated product surfaces

3.1× faster

UI delivery

100%

WCAG 2.2 AA

FinTech Core

2025

Northwind Treasury

// Global · SWIFT gpi

Multi-rail FX routing across 31 corridors

−41 bps

FX cost

4ms

Routing decision

AI Infrastructure

2026

Sable Compute

// US · EU

Metered billing for 180k GPU-hours a day

−97%

Revenue leakage

220ms

Rating latency

Design Systems

2025

Vela Markets

// APAC · MAS

Operator console for a 24/7 digital asset desk

−63%

Incident MTTR

8.3ms

Frame budget

[04 // Pricing]

[04 // Pricing]

Priced like infrastructure. Not like a consulting retainer.

Flat subscription plus a $0.0007 platform fee per transaction. No rail mark-ups, no percentage of volume.

All prices USD · excl. VAT · billed annually
Foundation
/mo

For licensed fintechs launching their first regulated product.

Volume
Up to 2M txn / mo
Seats
25 seats
  • Double-entry ledger API
  • 3 payment rails
  • SOC 2 Type II reports
  • 99.95% uptime SLA
  • Business-hours support
ScaleRecommended
/mo

For institutions moving volume across rails and regions.

Volume
Up to 20M txn / mo
Seats
150 seats
  • Everything in Foundation
  • 14 payment rails + FX routing
  • Real-time risk inference
  • 99.99% uptime SLA
  • Dedicated solutions architect
Sovereign
from/mo

Single-tenant deployment in your cloud or data centre.

Volume
Unmetered
Seats
Unlimited
  • Everything in Scale
  • BYO cloud / on-prem / air-gapped
  • HSM-backed key custody
  • 99.999% uptime SLA
  • 24/7 follow-the-sun incident desk
[ROI // Estimate your savings]

Model your migration against a legacy processor stack.

4.7M
100K1M10M50M
60
5125250500
Estimated annual savings−82% run-rate

Estimated annual savings $399,828, recommended tier Scale

Legacy / mo
$40,536
Kronos / mo
$7,217
Ops hours returned / mo
135
Recommended tier
Scale

[05 // Engage]

Your batch window is a liability. Let’s close it.

Book an architecture review

  1. Step 01

    Architecture review

    90 minutes with a principal engineer. We map your ledger, rails and failure modes.

  2. Step 02

    Shadow ledger

    Kronos runs in parallel against production traffic. You see every diff before it matters.

  3. Step 03

    Reversible cutover

    Traffic shifts in 5% increments behind a flag you control. Median migration: 11 weeks.

  1. Step 01

    Architecture review

    90 minutes with a principal engineer. We map your ledger, rails and failure modes.

  2. Step 02

    Shadow ledger

    Kronos runs in parallel against production traffic. You see every diff before it matters.

  3. Step 03

    Reversible cutover

    Traffic shifts in 5% increments behind a flag you control. Median migration: 11 weeks.

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