Pull the thread.
Unpack the stack.

Everything Open Fabric ships is built from a handful of reusable primitives. Here's each one — what it does, where it shines, and how it fits with the rest.

TOKENIZATION

Turn a balance into
a card. Instantly.

Any balance you hold — a wallet, a BNPL line, a checking account — can be lifted into a network-ready payment instrument. Four token shapes, one SDK, zero new customer behavior to teach.

We handle key management, cryptograms, and token lifecycle. You decide what the customer sees, feels, and taps.

01
Own-app NFC
Phone to terminal, tap, paid. Lightweight SDK handles secure element, tokenization, transaction flow.
02
Virtual cards on demand
Issue cards for online shopping anywhere Visa and Mastercard are accepted. Full 3D Secure.
03
Push to wallets
Provision into Apple Pay, Google Pay, Samsung Pay. Familiar UX; your balance behind it.
04
Purpose-scoped tokens
Issue tokens an AI agent can use for one thing, in one place, for one day. Bounded autonomy.
Where it shines
E-wallets
Let top-ups spend anywhere — not just partner merchants.
BNPL
Turn an approved line into a one-tap card at checkout.
Neobanks
Ship a debit product in weeks, not a compliance year.
Dig deeper

Full reference, examples, and integration notes live in the docs.

Read the docs
ORCHESTRATION

Your money,
wherever your customer shops.

Plug a tokenized balance into the checkout surface that fits the moment — a hosted page, your own app, or a direct API call. One integration; every surface.

Merchants keep their existing gateways and settlement. Your customer keeps a familiar checkout. Open Fabric handles routing, capture, and the reconciliation ledger.

01
In-app shopping
Your app becomes a shopping surface. Tap "Shop", browse a real merchant, pay with your balance — all without leaving.
02
Hosted checkout
A drop-in plugin for merchants. Adds a "Pay with Open Fabric" button at checkout; funds draw from the customer's balance.
03
Partner APIs
Webhooks for auth, capture, refund, and chargeback — shaped to match what your backend already expects.
Where it shines
Rewards programs
Let points spend at any merchant, not a walled-garden shop.
Merchant networks
Tap into 240M+ acceptance points without rebuilding gateways.
BNPL & financing apps
Finance each purchase or split into instalments — approved in-flow, settled on card rails.
Dig deeper

Full reference, examples, and integration notes live in the docs.

Read the docs
CONTROLS

Every transaction,
checked at auth time.

Spend controls aren't static copy in a dashboard — they're live policy evaluated during the authorization request, before the transaction is approved. Scope to all accounts, one token, or anything in between.

Write rules once. Apply them at any layer of the token tree. Changes propagate to every downstream credential in under a second.

01
Velocity limits
Per-hour, per-day, per-month caps on amount or transaction count. Rolling windows, not calendar days.
02
MCC & geo filters
Allow or block merchant categories and ISO country codes. Whitelist a single merchant ID if you need to.
03
Time windows
Hours-of-day and days-of-week constraints. Useful for payroll cards, per-diem spend, or agent curfews.
04
Tiered overrides
A parent account's rules cascade to its tokens; individual tokens can tighten but never loosen.
Policy editor
Travel card · Acme
Velocity cap
$200 / day · rolling 24h
Allowed categories
TravelLodgingDiningFuel
Allowed countries
USCAMX
Parent account
org_acme_travel
Live auth decisions
Travel card · Acme
$42Uber
Rideshare · San Francisco · US
approved
$56Chevron
Fuel · Austin · US
approved
$1,200Crypto X
Crypto · US
blocked · category not allowed
$318Hilton
Lodging · NYC · US
approved
$620Pokerstars
Gambling · MT · US
blocked · category not allowed
$45SkyCafe
Dining · London · UK
blocked · country not allowed
$212Marriott
Lodging · Toronto · CA
approved
Where it shines
Corporate T&E
Per-employee caps with traveler exemptions, enforced in-network.
Teen banking
Guardian sets the envelope; kid gets a normal card experience inside it.
Agentic spend
Scope an AI shopper to one merchant, one ceiling, one day.
Dig deeper

Full reference, examples, and integration notes live in the docs.

Read the docs
◦ Agentic commerce

Agents can transact.
You set the rules.

Agents need credentials they can use without asking. You need boundaries so autonomy doesn't drift. We do both — credentials scoped to a single task, policy enforced at the network.

  • Delegate once. Set merchant, amount, window, geography.
  • Enforce in the rails. Every swipe checked at authorization time.
  • See everything. Live trail, revocable instantly.
6:16Open Fabric · Shopping agent

Weave your
balance sheet
into the card rails.

Book an integration call Read the docs