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Pave Bank Official: Programmable Money, RWAs & Stablecoins 

Pave Official: Programmable Money & RWA Hub 

Pave Bank Official is the first fully regulated commercial bank designed specifically for the programmable economy. This technical documentation serves as the primary resource for utilizing the Programmable Banking API to automate treasury flows, managing Multi-Asset Custody Crypto (Fiat + Digital), and executing instant transfers via PaveNet. Pave merges the safety of a bank with the speed of a smart contract. 

Pave Ecosystem: The Smart Bank 

Pave solves the "debanking" and inefficiency issues faced by crypto-native businesses.

Programmable Money: Pave is API-first. Businesses don't just "store" money; they program it. You can write scripts to automatically convert incoming Fiat to Stablecoins, split payments based on logic, or sweep funds to yield-bearing accounts instantly.

Unified Interface: Unlike traditional banks that shun crypto, Pave integrates it. You see your USD operating account next to your USDC treasury and Bitcoin holdings, all regulated under one banking license.

PaveNet: The bank operates its own settlement layer. Transfers between Pave customers are atomic and instant, removing the T+2 delays of legacy payment rails like SWIFT.

Full Reserve & Compliance 

The infrastructure of Pave Bank Official prioritizes solvency and regulatory clarity.

Full Reserve Model: Pave operates as a Full Reserve Digital Bank. It does not lend out your deposits to other customers (Fractional Reserve). Your funds are held 1:1 in liquid central bank reserves or short-term government treasuries, ensuring your money is always there.

RWA Integration: The bank is built to handle Tokenized RWA Banking. It provides the rails for businesses to issue or invest in tokenized bonds, stocks, or real estate, handling the fiat on/off ramps seamlessly.

Security: Pave utilizes institutional-grade MPC (Multi-Party Computation) custody for digital assets, ensuring that private keys are never exposed while maintaining instant accessibility.

Access, Treasury & Yield 

The platform offers utility through efficiency rather than token emissions.

Business Accounts: Pave primarily targets institutional clients and businesses. Opening a Crypto-Friendly Business Account gives access to multi-currency IBANs and digital asset wallets.

Treasury Management: Clients can automate their treasury operations. For example, a DAO or crypto startup can use Pave to automatically off-ramp enough crypto to cover payroll in Fiat every month without manual intervention.

Yield Products: Through its partners and RWA integrations, Pave offers access to yield-bearing products (like T-Bills on-chain) directly within the banking interface.

Security, Audits, and Backing 

Pave Bank Official is backed by the strongest names in the digital asset space.

Backing: The bank raised significant capital from Wintermute Ventures, Tether, Quona Capital, and Accel, validating its model as a critical infrastructure piece for institutional crypto adoption.

Regulation: Pave Bank is a fully licensed commercial bank (currently licensed in Georgia, with plans for global expansion). This distinguishes it from "Fintechs" or "Neobanks" which often rely on third-party sponsor banks.

Compliance: The bank embeds compliance (KYC/AML) into the programmable layer, ensuring that automated transactions still meet global regulatory standards.

Official Documentation & Reference

Access the verified Pave Bank Official technical resources below:

Website: pavebank.com

Twitter: x.com/pave_bank

LinkedIn: linkedin.com/company/pave-bank

Press: pavebank.com/news

Frequently Asked Questions 

Is Pave Bank a crypto wallet? No, it is a fully regulated Commercial Bank. However, it has integrated digital asset custody, allowing it to function like a wallet and a bank account simultaneously.

What is PaveNet? PaveNet Instant Settlement is the internal network of Pave Bank. It allows clients to send money (Fiat or Crypto) to other Pave clients instantly, 24/7, for free.

What does "Full Reserve" mean? It means Pave does not lend out your money. Your deposits are always available for withdrawal, protecting you from the liquidity crises that have affected other banks.

Can I automate my payments? Yes, using the Programmable Banking API, you can write code to trigger payments, conversions, or transfers based on specific events or data inputs.