API Specifications & Bridge Architecture
REST API references, SDK integration guides, and cross-chain bridge documentation for building on JIL Sovereign.
The State of Verifiable Payments
This document is not a product pitch. It is a factual account of where the global payments and settlement industry stands today, where it is heading, and why verifiable, proof-based infrastructure is no longer optional for institutions operating at scale.
For more than a decade, the payments industry's primary competitive axis was speed. That race was largely won. FedNow launched in 2023. Brazil's Pix surpassed 7.9 billion monthly transactions. India's UPI handles more than 18 billion transactions per month. The industry's center of gravity has shifted. Speed is now table stakes. Trust is the new competitive differentiator.
Mastercard formalized this shift in March 2026 with the open-source release of its Verifiable Intent specification. The FBI's 2024 Internet Crime Report documented $16.6 billion in reported cybercrime losses - a 33% increase over 2023. The market's verdict is clear: proof of what happened, who authorized it, and what the outcome was is now as important as the transaction itself.
Read the full report →Protocol Interfaces
Connected Payment Rails, Messaging & Bridges
Traditional finance protocols and blockchain bridges unified through a single settlement layer.
ACH batch processing, Nacha file format, direct deposits and bill payments
SWIFT FIN messaging - MT103 customer transfers, MT202 bank transfers
Federal Reserve real-time gross settlement - pacs.008 credit transfers, pacs.002 status
Financial Information eXchange - order routing, execution reports, market data
Clearing House Interbank Payments System - large-value USD transfers
ECB real-time gross settlement - euro-denominated cross-border payments
Single Euro Payments Area - SCT credit transfers, SDD direct debits
Financial products Markup Language - OTC derivatives trade definitions
Ethereum, Bitcoin, Solana native chain bridges with validator consensus
Arbitrum, Optimism, Base, zkSync rollup bridge adapters
Application-specific chain bridges for institutional app chains
Core Platform
REST API Specifications
OpenAPI-compatible REST specifications for settlement, wallet, ledger, and compliance endpoints.
Settlement API
Create, track, and finalize cross-border institutional settlement transactions with cryptographic receipts.
APIWallet API
MPC wallet management, transaction signing, balance queries, WebAuthn authentication, and key ceremony endpoints.
APILedger API
Core ledger operations - block queries, transaction submission, state proofs, and account management.
APILaunchpad API
Token creation, LBP auction management, on/off ramp processing, and launch configuration endpoints.
APIBID API (Beneficiary Identity)
Identity verification, wire fraud prevention, phone/email/address/person/company validation endpoints.
APIBEC Settlement API
Business Email Compromise prevention - secure settlement verification and wire fraud detection.
APIISO 20022 Gateway
SWIFT-compatible message translation - pacs, camt, and pain message flows for banking integration.
APIToken Factory
Declarative token creation with embedded compliance rules, transfer restrictions, and vesting schedules.
APIWallet Architecture
MPC 2-of-3 threshold signing internals, key shard management, and wallet service architecture.
Getting Started
SDK & Developer Guides
Cross-Chain
Bridge Architecture & Specifications
14-of-20 Byzantine fault-tolerant validator bridge spanning 13 jurisdictions.
14-of-20 Multi-Sig Bridge
Byzantine fault-tolerant bridge requiring 70% validator consensus across 13 jurisdictions with timelocks and fraud proofs.
BridgeEVM Bridge v2 Design
Next-generation bridge with multi-chain support, enhanced security, and Merkle proof verification.
BridgeXDC Bridge
XDC Network bridge integration for trade finance and enterprise settlement with ISO 20022 compatibility.
DemoBridge Transfer Demo
Interactive cross-chain bridge transfer walkthrough with validator consensus visualization.
Flow Diagrams