M1 converts institutional fiat money — bank wires, demand deposits, reserve balances — into programmable on-chain value. A full monetary operating system for corporate treasuries, sovereign wealth funds, and regulated financial institutions operating at real-world scale.
M1 is the economic term for the most liquid stratum of the money supply: physical currency, demand deposits, and checking account balances. When an institution moves capital via bank wire, that is M1 money in motion. Our platform sits exactly at that conversion point — receiving M1 fiat, enforcing full institutional controls, and issuing programmable on-chain value backed 1:1 by held reserves.
The velocity limits, approval thresholds, reserve architecture, and compliance controls are not decorative — they are calibrated for institutions moving real treasury capital under regulatory oversight.
Four integrated layers that work together to give your organization the speed of DeFi with the security and compliance of traditional finance.
From wire receipt to settled on-chain position — every stage of the M1 monetary workflow, governed by institutional-grade controls and posted to a GAAP-compliant double-entry ledger in real time.
Transaction Lifecycle
A complete financial operating system — not a collection of tools, but a unified platform that scales with your business.
Here is exactly what we need to accomplish to get your institution live on M1 — in order, with clear deliverables at each phase.
processMint.ts.
FTH L1 TEV gate wired at wire-arrival. Daily auto-reconciliation cron
at 00:05 UTC. Report generation (6 types × 3 formats) with S3 upload.
M1 is designed to support workflows across major regulatory environments. The platform architecture — approval gates, audit trails, velocity controls, and GAAP-compliant ledger posting — maps to the operational requirements of regulated financial institutions, not around them.
The platform is architected so that compliance controls — AML screening, velocity limits, multi-signatory approval, audit event sourcing, and OFAC checks — are structural components, not optional add-ons. Every settlement instruction passes through the FTH L1 Execution Runtime: a cryptographic verification gate that validates Ed25519 signatures, enforces nonce ordering, and blocks replay attacks before any instruction reaches the state machine. The L1’s deterministic execution model means any historical settlement can be independently replayed and proven. Committed records are append-only and cannot be modified, deleted, or backdated. BFT consensus requires supermajority validator agreement before finality is issued — no single operator can force through a fraudulent settlement. Final settlement and compliance events are anchored to the Apostle Chain ledger (chain ID 7332), providing a tamper-evident audit record available for regulatory review, reconciliation, and reporting.
Whether you are moving fiat into stablecoins, settling across chains, or building the next generation of AI-native financial applications — M1 is ready to power it.