A self-custody money app that actually works

Monthly cardholders

Business teams

~0ms

Finality

Card Auth

Visa card, virtual accounts, and a self-custody wallet, with card authorizations settling onchain.

BeforeLive signature

Card swipePaymasterSession keyRollupSettle

With TempoAccess Key

Card swipeTempoSettle

What Got Better

Before

Users had to buy a gas token first
Live signatures break card auth
Slow finality is a fraud surface
Rebuilding context from event logs

After

~500ms finality, inside card windows
No gas token for users
Async card auth via Access Keys
Full payment path lives onchain
Native memos simplify reconciliation

Built On

Self-custodial smart accounts provisioned via Privy. USD held as USDC, and card authorizations settle against the onchain balance within card auth windows.

SettlementConsensus

BlockspaceBlockspace & Ordering · Gas & Fees

Scaling & Interop

Data & Tooling

Assets & TrustStablecoins

AccessWallets & Accounts

Markets & Payments

Payment LanesReserved blockspace for paymentsComponent · Blockspace & Ordering

Stablecoin FeesPay fees in USD stablecoins, no gas tokenComponent · Gas & Fees

Access KeysScoped, revocable delegated signingComponent · Wallets & Accounts

ISO 20022 MemosStructured references on every transferComponent · Stablecoins

Sub-second Finality~0.5s deterministic finality, no re-orgsComponent · Consensus

Tempo is the first chain where we didn't have to trade self-custody for a product that actually works.

Nik ZimarkovCo-founder and CEO, Karta

Full story on tempo.xyz

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