Move Value.
Anywhere.
Loadit turns cash and cards into crypto and stablecoins in seconds — an AI-powered, non-custodial rail routing every payment over the cheapest, fastest network.
AI-Powered Financial Routing
Loadit automatically finds the fastest, cheapest, and most efficient path for every transaction.
Choose a destination and run HQ to watch value fly across the globe in real time.
Simulator
Live- ✓Wallet Validation
- ✓Route Verification
- ✓Replay Protection
- ✓Fraud Detection
- ✓Non-Custodial Settlement
- ✓Audit Logging
The cheapest way to move your money.
Tell us what you're moving. HQ scores every network and on-ramp in real time, shows you exactly how much you'd save versus the old way, and routes you to the best provider to finish the job.
One unified patent. 25 claims.
The Loadit Unified Financial Rail — a self-healing, AI-orchestrated, quantum-optimized, temporally programmable, offline-resilient, multi-reality value-conversion architecture. Eight subsystems, one application.
AI-Orchestrated Settlement Router
Evaluates live network conditions, liquidity, fees, and compliance to select the optimal path; predicts congestion, gas-fee volatility, and processor downtime.
Quantum Optimization Layer
Quantum-assisted search, quantum annealing, and variational algorithms to evaluate settlement paths — with a quantum-secure key-distribution subsystem.
Temporal Settlement Subsystem
Retroactive, delayed, predictive, and condition-based settlement, with historical-state proofs via zero-knowledge proofs and verifiable state commitments.
Universal Value Conversion
Non-custodial conversion between fiat, crypto, stablecoins, tokenized assets, loyalty units, energy credits, and programmable value instruments.
Identity-Verified Offline Rail
Biometrics, decentralized identity, and behavioral signatures authenticate offline; transactions seal in post-quantum escrow and reconcile via satellite/mesh on reconnect.
Geo-Temporal Compliance Engine
Enforces jurisdiction-, asset-, and time-specific AML/KYC and data-residency in real time, dynamically selecting compliant rails.
Self-Healing Architecture
Detects rail failures and liquidity outages, replicates settlement packets across rails, and deterministically reconciles on network recovery.
Multi-Reality & BCI Interface
Accepts transaction intent from AR/VR/XR and brain-computer-interface neural signals, converting them into cryptographically signed instructions.
Infrastructure for the next era of money.
Loadit isn't another crypto app. It's the rail value moves on — and we're building it now.
Request access to the rail.
Merchants, partners, and builders — get early access to the Loadit network and the HQ routing API.
FAQ
Questions, answered
What Loadit is, how it moves money, and what it costs.
What is Loadit?
Loadit is an AI-powered financial rail that converts cash, cards, and fiat into stablecoins and crypto in seconds. Its patent-pending Unified Financial Rail uses its AI, HQ, to route every payment across the cheapest, fastest network available.
How does Loadit turn cash into crypto?
A shopper pays with cash or card at a merchant on the Loadit network. The transaction is tokenized, identity-verified, and routed by HQ across L1s, L2s, Lightning, or banks — settling on-chain in seconds while the merchant still receives familiar fiat.
How does HQ route payments?
HQ is Loadit's AI routing engine. It scores routes across legacy processors, blockchains, and liquidity pools in real time, choosing the optimal settlement path on every transaction — cutting fees by up to 86%.
Which networks does Loadit support?
Loadit arbitrates across Bitcoin, Ethereum, Solana, Base, XRPL, Polygon, the Lightning Network, and traditional banks — treating them as one unified rail.
Is Loadit secure?
Yes. Loadit uses end-to-end encryption, identity verification bound to every transaction, in-rail compliance with cryptographic audit trails, continuous AI monitoring, a self-healing network, and post-quantum-ready primitives.
What does Loadit charge?
Loadit charges a flat 0.75% convenience fee — built to compete with banks, not to extract from users. Its HQ engine routes the underlying network fees to the cheapest available path.
Is Loadit custodial?
No. Loadit is non-custodial and never holds user funds. Keys and signing stay with the user's wallet; Loadit only routes and settles payments.
What is HQ?
HQ is Loadit's AI. In the app, you tell it what you want to do with your money in plain language; on the rail, the same intelligence scores every network and executes the cheapest real route.
What is Pulse?
Pulse is Loadit's offline payments feature. You can send money to any phone nearby over Bluetooth with no internet; funds are locked in escrow and a cryptographically signed claim settles the moment either phone reconnects.