M5 System · The Settlement Layer
One wallet. Every chain.
Every asset class. Every credential.
M5 Wallet is the access gate. M5Pay is the settlement rail. Together they replace the entire stack — Apple Pay, Venmo, Stripe, custodial exchanges, brokerage accounts, and FedNow — with one sovereign, chain-agnostic, credential-bound surface that you control.
Your handle
@pamela.m5bom.wyomingchain.eth
m5scan.io registry resolves to: cosmos1q7s… · 0xbc12…(EVM) · bc1q…(BTC) · J7Kf…(SOL)
Chains Supported
100+
Cosmos EVM · Base · BTC · SOL · XRP +
Asset Classes
M1–M5
SFI-gated · TitleChain anchored
MCP Tools
208 / 47
Tools / servers · TCID-signed
Settlement Fee
3 bps
vs ~290 bps Stripe / Visa
01Wallet Class Registry · 6 Account Types
Every M5 wallet belongs to one of six account classes. The canonical handle format is @<handle>.<class>.<state>chain.eth — every state chain is the full spelling of its name with chain.eth appended (wyomingchain.eth, californiachain.eth, arizonachain.eth…). The nation chain is unitedstateschain.eth. Regional and tribal sub-chains insert before the state. The public registry (m5scan.io) resolves every handle to its on-chain addresses.
Bank of Me · .m5bom
Individual
One sovereign per human. IAM-verified TCID. Personal banking, identity, healthcare, M5POD.
Example
@pamela.m5bom
.wyomingchain.eth
Bank of Family · .m5bof
Household
One household, trust, or estate. Private records, shared finances, generational continuity.
Example
@chen-family.m5bof
.californiachain.eth
Bank of Us · .m5bou
Multi-Household Co-op
Multi-household cooperative. Shared treasury, pooled families, neighborhood-scale.
Example
@roots.m5bou.santamonica
.californiachain.eth
Bank of Business · .m5bob
Company · Fund · LLC · DAO
Commercial entity. Startup, fund, LLC, DAO. Treasury-grade, EIN-anchored, BOB-certified.
Example
@m5capital.m5bob
.wyomingchain.eth
Bank of Institute · .m5boi
Trusts · Institutes · Agencies
Foundations, trusts, institutes, government agencies. Legal signers. Master public registry.
Example
@titlechain.m5boi
.unitedstateschain.eth
Bank of Community · .m5boc
Co-op · Tribal · Civic
Cooperatives, tribal nations, civic collectives. Community-scale governance and pooled assets.
Example
@navajo.m5boc
.arizonachain.eth
Branded experience layer → m5scan.io technical registry
bankof.me→*.m5bom.<state>chain.eth
bankof.family→*.m5bof.<state>chain.eth
bankof.us→*.m5bou.<state>chain.eth
bankof.business→*.m5bob.<state>chain.eth
bankof.institute→*.m5boi.<state>chain.eth
bankof.community→*.m5boc.<state>chain.eth
02Hardware Layer · Custody & Signing
M5-Bitkey · Hardware Root
The physical signing key.
Hexagonal hardware device. Biometric authentication, secure element, off-grid signing. Holds the master TCID and the M5Wallet root key. Every high-value transaction is co-signed here.
Biometric
Secure Element
NIST PQC
Off-grid signing
SOVEREIGN SELFM5 Member · Arculus
▣ ))))
M5Capital Card · Arculus
The everyday card.
Passkey, signing key, and cold storage in a single tap-to-pay card. Powered by Arculus NFC secure element. Spend in person, sign on chain, store any asset class — without trusting a custodian.
Tap to Pay
Passkey
Cold Storage
M1–M5
M5 App · iOS & Android
The everyday surface.
The software wallet. Manage handles, sign with Bitkey, tap with Arculus card, settle on any chain. Native MCP integration for agent-driven flows.
iOS
Android
MCP
03Settlement Fee · 3 bps · All Layers Included
The whole stack, one fee
3bps
vs ~290 bps Stripe / Visa. Auto-routed across ICSN clearing, TitleChain registry, SPDI custody, jurisdiction, and optional insurance.
M5 wallets ship with pre-determined split tables. Every layer of the stack gets its share on settlement — no invoicing, no reconciliation, no surprise fees. Members keep self-custody; M5 never holds member value.
For engineers, partners & regulators →
The technical layer.
Chain-agnostic settlement matrix, SFI credential gating, ecosystem value-added services, built-in settlement splits, and the developer surface — SDK · MCP · x402.
Open technical reference →
Ready to open your wallet
One handle. Every chain. Every asset class. Every credential.
Reserve your handle now. Your M5 Wallet activates with the network on July 4, 2026.