Financial operations layer for onchain settlement

Infrastructure for onchain finance.

Web3Rails connects blockchain-native money movement with accounting, treasury, reporting and financial control.

Explore the platform See how it works

01Onchain financial activity

Stablecoins
Wallets
Onchain payments
Tokenized assets

02Web3Rails

Normalizeone record per movement
Reconcileinvoices · counterparties
Controlexceptions to review
Auditevidence retained

03Enterprise finance

Accounting
ERP
Treasury
Reporting

A blockchain transaction proves that value moved. Web3Rails turns it into an accounting record: counterparty, invoice, fiat value, classification, status and evidence.

Thesis

Financial infrastructure is moving onchain.
Financial operations still need controls.

Settlement is getting faster, programmable and global. The obligations of a finance team do not change with it. What changes is the distance between where value settles and where it is accounted for. That distance is the infrastructure gap.

Settlement innovation does not remove

Reconciliation01
Accounting02
Reporting03
Controls04
Auditability05

It makes the connective infrastructure between settlement and these functions more important, not less.

The problem

A blockchain transaction is not an accounting record.

A transaction proves that value moved. It does not say who paid, what for, at what fiat value, or how it should be booked. Web3Rails adds the financial context and produces the record.

01Raw blockchain activity

What the chain records

amount: 5,000 USDC
from: 7jK9d2Rf…x32
to: F91bA8cQ…19A
network: Solana
slot: 292,481,006
time: 14:32:17 UTC

Proof of movement. No counterparty, no purpose, no fiat value, no accounting meaning.

02Financial context

What Web3Rails resolves

Direction: Inbound · ops-receivables
Counterparty: Acme Ltd.
Entity: Demo Co. Ltd (UK)
Invoice: INV-2026-192
Economic purpose: Customer payment
Fiat value: €4,274.31 · ECB 14:15 UTC
Confidence: 0.98 · 4 pieces of evidence

Who, what for, at what value, with how much confidence. Each field points to its evidence.

03Accounting-ready record

What finance books

Dr 1010 Digital assets — USDC: €4,274.31
Cr 1200 Accounts receivable — Acme: €4,274.31
Treatment: AR settlement
Period: Sep 2026
Decided by: rule · ar_match_v3
Export batch: EXP-0921-03

Balanced journal lines, period, decision rule and export batch. Ready for the ledger and for the auditor.

Platform

From onchain activity to financial records.

One processing path. Each stage adds structure, and every decision along it is recorded so it can be reviewed later.

01
Detect
Ingest wallet and blockchain activity as it settles.
02
Normalize
Create one consistent transaction record per movement.
03
Enrich
Add asset, wallet, counterparty and fiat context.
04
Match
Connect transactions to invoices and internal records.
05
Classify
Assign financial meaning and accounting treatment.
06
Review
Escalate ambiguous transactions instead of guessing.
07
Export
Deliver structured records to finance systems.

Reconciliation · first product

Reconciliation built for onchain finance.

Management by exception. Web3Rails reconciles high-confidence transactions on its own. Finance teams spend their time only on the ambiguous ones, with the evidence and the missing pieces laid out.

Demo data · illustrative

93.2%: of transactions reconciled automatically, with the evidence attached.
6.8%: escalated as exceptions. This is where the finance team spends its time.
100%: of decisions reviewable and reversible, automatic or human.

Web3Railsdemo-co / solana-mainnet / 3 wallets / 2 entities

1–21 Sep 2026EUR

Total transactions: 1,284; 1–21 Sep 2026 · 3 wallets
Automatically reconciled: 1,197; no human involved
Requires review: 87; in exception queue
Reconciliation rate: 93.2%; by count · 95.6% by value
Unmatched value: €184,320; 4.4% of period volume

Illustrative reconciliation queue. Select a transaction to see its summary.
Counterparty · entity	Amount	Fiat value	Invoice	Classification	Confidence	Status
Acme Ltd.Demo Co. Ltd (UK)	5,000.00USDC	€4,274.31	INV-2026-192	Customer paymentAccounts receivable settlement	0.98	ReconciledAutomatic
Unknown counterpartyDemo Co. Ltd (UK)	1,840.00USDC	€1,572.94	—	UndeterminedCounterparty unresolved and no invoice within tolerance	0.64	Needs reviewUnassigned
Treasury Wallet BDemo Co. Ltd (UK)	25,000.00USDC	€21,371.55	Internal	Internal transferTreasury transfer — intra-entity	0.99	ReconciledAutomatic
Northwind GmbHDemo Co. GmbH (DE)	9,600.00USDC	€8,206.68	INV-2026-188	Customer paymentAccounts receivable settlement	0.96	MatchingAutomatic
Vela SystemsDemo Co. Ltd (UK)	3,100.00USDC	€2,650.07	INV-2026-197partial	Customer payment — partialAmount does not equal any single open invoice	0.71	Needs reviewM. Okafor
Helios ContractorsDemo Co. Ltd (UK)	7,320.00USDC	€6,257.59	PAY-0912	Contractor paymentAccounts payable settlement	0.91	ReconciledAutomatic
Orbit Exchange (deposit cluster)Demo Co. Ltd (UK)	15,000.00USDT	€12,822.30	—	Undetermined — possible off-rampExchange-bound transfer above the €10,000 policy threshold, with no matching instruction	0.58	Needs reviewUnassigned

Transaction: 4xQe8bZ1pM7v…9fKd
Wallet: ops-receivables · F91bA8cQ…19A
Counterparty wallet: acme-ops · 7jK9d2Rf…x32
Fiat rate: 0.854862 · ECB reference
Economic purpose: Customer payment
Accounting classification: Accounts receivable settlement
Decided by: rule · ar_match_v3
Decided at: 2026-09-21 14:32:41 UTC

4 pieces of evidence · 0 missing

Demo dataset · 7 of 1,284 records shown · no real entities, wallets or volumesevery field keeps a pointer to its origin

A blockchain transaction shows that money moved. Web3Rails explains what that movement means financially, and keeps the proof.

For finance teams

Your finance team shouldn't need to read a block explorer.

These are the questions a controller asks about every payment. A block explorer answers none of them.

01
Who paid us?
02
Which invoice does this transaction belong to?
03
Which entity owns this wallet?
04
Was this an internal transfer?
05
What was the fiat value at settlement?
06
How should the transaction be classified?
07
Has it already been reconciled?
08
Can an auditor reproduce the decision?

Web3Rails turns blockchain activity into financial context.

Capabilities

One record, used by every finance function.

Reconciliation is the entry point. The same structured record serves accounting, treasury and audit.

Scope today

Solana and stablecoin reconciliation. Other networks, ERP connectors and treasury workflows are labelled prototype or planned in the architecture below.

Reconciliation: Match onchain payments against invoices, counterparties and internal financial records.
Financial data normalization: Transform fragmented blockchain activity into consistent, enterprise-grade records.
Counterparty resolution: Connect addresses and wallets with financial entities and business context.
Exception management: Process high-confidence matches automatically. Route ambiguous activity for review.
Auditability: Keep traceability from every financial record back to its source transaction and evidence.
Enterprise integration: Expose structured financial information through APIs, exports and accounting integrations.
Treasury visibility: Distinguish operational payments from internal wallet movements and treasury activity.

Architecture

A financial operations layer for onchain settlement.

Extensible by design. Honest about what exists: the current MVP is Solana plus stablecoin reconciliation.

MVPMVP · working in the current product
PrototypePrototype · built, not yet production-ready
PlannedPlanned · platform direction, not yet built

01Onchain

Where value settles

SolanaMVP
StablecoinsMVP
WalletsMVP
EthereumPlanned
BasePlanned
ProtocolsPlanned
Payment railsPlanned

02Web3Rails data layer

Where movement becomes a record

IngestionMVP
NormalizationMVP
IdentityPrototype
MatchingMVP
ReconciliationMVP
ControlsPrototype
Audit trailPrototype

03Enterprise finance

Where records are used

AccountingPrototype
ReportingPrototype
Internal systems (API)Prototype
ERPPlanned
TreasuryPlanned
CompliancePlanned

Solutions

Built for organizations moving finance onchain.

01
Stablecoin payments
Reconcile incoming and outgoing stablecoin payments against customers, invoices and internal records.
02
Onchain treasury
Separate treasury movements, operational transfers and economic transactions.
03
Crypto-native companies
Convert high-volume blockchain activity into structured financial records.
04
Payment infrastructure
Provide reconciliation and reporting context around blockchain-based settlement.
05
Accounting and audit
Preserve the evidence linking financial records with source transactions.
06
Tokenized finance
Prepare financial operations for increasingly programmable financial assets.

Vision

Blockchain is becoming a settlement layer.Web3Rails is building the financial operations layer above it.

As stablecoins, tokenized assets and programmable money become part of mainstream financial infrastructure, organizations need systems that connect onchain settlement with accounting, treasury, controls and reporting. Web3Rails is building that connective infrastructure.

Platform direction · not all layers exist today

ReconciliationCurrent wedge
Financial dataIn progress
Accounting infrastructureDirection
TreasuryDirection
ControlsDirection
Financial intelligenceDirection

Security and controls

Designed for financial control.

Controls are part of the data model, not a layer added afterwards. Every record carries its evidence, its provenance and the decision that produced it.

Certifications

Web3Rails does not currently hold SOC 2 or ISO 27001 certifications. They will be stated here when obtained, not before.

Traceability: Every reconciled record retains a link to its source transaction and the evidence used to match it.
Exception-first workflows: Low-confidence transactions are escalated for review. They are never accepted silently.
Human oversight: Critical classifications stay reviewable and reversible. A decision can be reopened.
Data provenance: Each field records where it came from: chain data, an invoice, a rule or a person.
Read-only by design: Web3Rails reads public onchain activity and your financial records. It does not hold keys or move funds.

Developers

Infrastructure your systems can build on.

Structured records over a plain REST API, with webhooks for the moments finance cares about. Illustrative API design. It will change before general availability.

Endpoints

GET/transactionsNormalized onchain movements
GET/reconciliationsRecords with status and evidence
POST/matchesConfirm or override a match
GET/walletsKnown wallets and their owners
GET/exceptionsItems waiting for review

Webhook events

transaction.detected
reconciliation.completed
reconciliation.requires_review

GET /reconciliations/rec_01J8Z3K9Q4application/json

{
  "id": "rec_01J8Z3K9Q4",
  "status": "reconciled",
  "confidence": 0.98,
  "transaction": {
    "hash": "4xQe8bZ1…9fKd",
    "network": "solana",
    "block_time": "2026-09-21T14:32:17Z"
  },
  "asset": { "symbol": "USDC", "amount": "4250.00" },
  "fiat": {
    "currency": "EUR",
    "value": "3633.28",
    "rate_source": "ecb_reference",
    "rate_time": "2026-09-21T14:15:00Z"
  },
  "counterparty": {
    "id": "cp_7f21",
    "name": "Acme Ltd.",
    "resolved_by": "invoice_reference"
  },
  "invoice": { "id": "INV-291", "system": "accounting" },
  "classification": "customer_payment",
  "accounting_treatment": "accounts_receivable_settlement",
  "evidence": [
    "transaction",
    "invoice_amount_match",
    "counterparty_wallet_history"
  ],
  "decided_by": "rule:ar_match_v3",
  "reviewable": true
}

webhook · reconciliation.requires_reviewapplication/json

{
  "event": "reconciliation.requires_review",
  "created_at": "2026-09-21T13:05:41Z",
  "data": {
    "reconciliation_id": "rec_01J8Z2M7XA",
    "transaction_hash": "8hTk3vL9…2mPa",
    "amount": "1840.00",
    "asset": "USDC",
    "confidence": 0.64,
    "reason": "counterparty_unresolved"
  }
}

Company

Building infrastructure for the convergence of traditional and onchain finance.

Web3Rails is focused on one fundamental infrastructure problem: making blockchain-native financial activity usable by the systems, teams and institutions that operate modern finance.

Stage: Early. MVP in development.
First product: Stablecoin reconciliation on Solana
Who we talk to: CFOs, controllers, fintech and payments teams
Contact: hello@web3rails.io

Make onchain finance operational.

Connect blockchain settlement with the financial systems your business already relies on.

Talk to Web3Rails View architecture

Infrastructure for onchain finance.

Financial infrastructure is moving onchain. Financial operations still need controls.

A blockchain transaction is not an accounting record.

What the chain records

What Web3Rails resolves

What finance books

From onchain activity to financial records.

Detect

Normalize

Enrich

Match

Classify

Review

Export

Reconciliation built for onchain finance.

Your finance team shouldn't need to read a block explorer.

One record, used by every finance function.

A financial operations layer for onchain settlement.

01Onchain

02Web3Rails data layer

03Enterprise finance

Built for organizations moving finance onchain.

Stablecoin payments

Onchain treasury

Crypto-native companies

Payment infrastructure

Accounting and audit

Tokenized finance

Blockchain is becoming a settlement layer.Web3Rails is building the financial operations layer above it.

Designed for financial control.

Infrastructure your systems can build on.

Endpoints

Webhook events

Building infrastructure for the convergence of traditional and onchain finance.

Make onchain finance operational.

Financial infrastructure is moving onchain.
Financial operations still need controls.