How it works
One chain, whatever the source
An obligation can arrive from a sender, be imported by you, or originate at a merchant checkout. Every route converges on the same canonical chain.
The canonical chain
- Recurring obligation — rent, electricity, broadband, insurance. Different sources of one model, not separate payment products.
- Invoice — structured, with payee, amount, reference and due date.
- Payment — pay now, or a recurring mandate through a regulated provider.
- Ledger — double-entry, so every movement has a counterpart.
- Settlement — confirmed by the provider, never inferred from a redirect.
- Reward — pending, confirmed, available, with an explicit funding source.
- Next obligation — and the cycle continues.
Never trust the redirect alone
A customer returning to a success URL is not proof of payment. Only an authenticated provider event moves the canonical state.
Three ways a bill arrives
- Integrated sender — a participating biller sends a structured invoice.
- You import it — upload, email or share. Imported bills require your confirmation of payee, amount, reference and due date before any payment.
- Pay with REVRST — the obligation originates at a merchant's checkout after they approve you.