CIMS
ICE Train
CIMSby Roots

Interbank routing
for onchain neobanks.

Institutional-grade identity and messaging. Not wallet addresses.

The problem

Wallet addresses were never
meant for payments.

Long hex strings, clipboard trust, address poisoning. No verification, no routing, no recourse.

The fix

Verified identifiers with
onchain routing.

Structured IDs encoding rail, institution, and account. Deterministic resolution. Governed bilateral policies.

Names, not addresses.

Every identifier resolves to a verified person at a verified institution.

R-723-6637257

R

Rail

723

Institution

6637257

Account

Hana Sharma

Finhaus Europe

How it works

From intent to settlement,
fully onchain.

Resolve
01

Resolve

Identifier maps to an institution and account onchain.

Verify
02

Verify

Bilateral policies and counterparty status checked before routing.

Settle
03

Settle

Intent committed, finalized by the receiving institution.

Governance

Two-tier trust,
one clean experience.

Network

Eligibility standards
Policy baselines
Dispute handling
Routing standards

Bank-to-Bank

Counterparty permissions
Transaction policies
Escalation rules
Risk controls

Getting started

How to participate

01

Contact Roots

Send your institution name and jurisdiction via Telegram or rootsfi.com.

02

Get registered

Roots onboards your institution onchain. You get a unique code.

03

Connect admin wallet

Link the wallet that controls your rails, operators, and signers.

04

Register rails

Set up payment rails from the dashboard with your account format.

05

Set policies

Configure bilateral policies, webhooks, and operator permissions.

06

Go live

Appear in the directory. Other neobanks can route to your rails.

Try the testnet.

Connect a wallet, browse institutions, send your first transfer intent on Base Sepolia.