Billon
Re-inventing
the technology
behind money

Welcome to Billon. We built a scalable DLT payment technology in everyday currency. The result: instant payment solutions to streamline cash and alternative instruments.
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Instant payments,
ultra-low costs, in your
everyday currency

Our vision 01.

True transformation in payments requires moving money digitally with minimum cost.
Think about this. Like a Skype call or WhatsApp message.
Blockchain technology showed us a glimpse of this future, but spawned cryptocurrencies requiring gigawatts of processing power and armies of compliance officers to argue with regulators. Close, but not yet truly low cost.

Our Team 02.

Billon’s team is a blend of highly experienced technologists and financial professionals who have the mindset that it is critical to embrace regulation and ‘disrupt from within’

Our Approach 03.

We understand that clients want complete solutions, not just payments technology. What does this mean? Streamlining information is as critical as settling a real-time payment, and so our solutions deliver end-to-end benefit.

We replace cash and clumsy pre-paid solutions with streamlined digital experiences to lower cost-to-serve, thus helping to bring the 2.0bn financially excluded into the digital economy.

What is wrong with payment systems today?

The fundamental architecture of payments was built over 50 years on the principle that dumb data must be protected behind hackable firewalls. Banks -as custodians of the information about who owns funds- spent millions over decades on technology and partners to make sure that all parties agree before ownership is transferred (or reversed if there was a screw-up).

AS A RESULT WE SEE A SYSTEM WHERE:
  • Information flows separately from funds, increasing costs of the full business process.
  • Mismatches in the timing of funds authorization generate overdraft risk.
  • Several intermediaries are required to process even simple transactions.
  • Hackers can attack centralized authentication systems.

payments today
payments today

As consequence, exception handling and chargebacks are continually needed.

What if we could start from scratch?

Blockchain showed us that data can be “smart”. Firewalls can be eliminated. Two parties can transact in a way that settlement and clearing can be collapsed into an atomic, uninterruptible transaction.

At Billon we are convinced new currencies are not necessary. We went a step further than cryptocurrencies by developing a technology that complies with current e-money regulations.

Our Solution

Billon uses the principle of indisputable ownership as the stepping stone for its entire full stack of technology.
A regulated institution acts as issuer, and each holder of funds controls what they own, and can transfer as they see fit.

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