Rather than each bank having its own digital money ledger, M10 provides a shared ledger where all banks and their customers have digital money accounts.
There is one ledger and multiple issuers per currency.
Clearing banks linked to a currency’s RTGS.
Commercial banks and their customers.
The benefit of using a hierarchical ledger is that all accounts are present in the same environment, making transfers instant. It enables instant debits and credits.
- Designed for high throughput, low latency applications.
- Process up to 1 million transactions per second at millisecond latency.
- Easy, direct access to open, secure REST-based APIs, or use our SDKs.
- Quickly build applications with embedded instant cross-border payments capabilities.
- The ledger guarantees immutability as all transactions are digitally signed.
- Digital signatures are generated using private keys and are verified using the associated public key.
If you can read, you can use our API.
Developer access to the M10 digital money rail is easy and secure.
It’s a hard problem and that’s what we love.
Founded in 2019, M10's mission is to overcome the problems with transferring money internationally, so people worldwide can do business without friction.
- Team has achieved several billion dollar exits
- Deep technical expertise
- Extensive experience with central banks and commercial banks
- Well funded
- Striving for excellence AND having a great time!
Our leadership team is next level
A super experienced team of leaders. Technology and finance. Large companies and small companies. Public companies and startups.
Steve Kirsch is a serial entrepreneur who is now on his 8th company.
Steve invented the optical mouse, pioneered desktop publishing (FrameMaker), Internet search (Infoseek) and in more recent history he is widely known as a security and identity expert.
Steve has had over $2 billion in exits from his previous companies, solidifying his legacy as a successful Silicon Valley leader.
Marten Nelson is a serial entrepreneur who is now on his 3rd company.
Most recently Marten was the co-founder & CMO of Token, the leader in open banking solutions for banks and developers.
Marten has a track record of creating new markets with ground-breaking technologies such as email security and open banking.
Richard Char has been a senior business development executive with leading financial technology companies for over 15 years. Richard was most recently global head of business development at Verifone where he established Verifone’s partnerships with companies such as Visa and Mastercard, First Data and Vantiv, Apple, Google and Samsung, WeChat Pay and AliPay, CyberSource and NMI. Before that Richard was Managing Director of Information Services and Retail Networks with Citibank's Global Enterprise Payments group, where he helped to launch Citi’s first consumer digital wallet and personalized digital offer platform.
Over his career, Richard has been a corporate lawyer, tech investment banker and tech senior executive
Daniel Driscoll is a seasoned engineering leader with formative experience in the military as a Tank Commander and Battle Captain, which he has translated into technology leadership at companies large and small.
After successful roles at Electronic Arts and Salesforce, Dan found his calling in forming and leading start-up engineering teams pursuing ambitious, disruptive opportunities in financial technology.
Wanna talk about it?
Still not convinced? Give us a chance to try again, maybe we can toss a tasty coffee treat your way.