Roots
Payments, account identifiers and bridge workflows.
Roots develops payment products and infrastructure spanning Roots Pay, its application, CIMS and Bridge/Wrapper services. Network support differs by product, including work involving Canton and Tempo.
Background
Roots describes itself as the payment layer for programmable money. The platform connects traditional financial systems with decentralized networks, aiming to make global payments feel immediate while keeping settlement programmable and institution-ready.
The product surface includes Roots App, Roots Pay, CIMS, and Bridge. Together they cover consumer payment access, merchant acceptance, institutional identity and messaging, routing, and settlement across participating institutions.
Key Benefits
• Programmable payment rails for global money movement.
• Tap-to-pay and merchant acceptance through Roots Pay.
• CIMS identifiers replace raw wallet addresses with human-readable, institution-scoped identifiers.
• Institutions can configure permitted counterparties, limits, and fraud hold durations.
• On-chain finality and same-day settlement are core product themes.
• Designed for neobanks, acquirers, fintechs, and institutions.
Why Canton
Roots is a natural fit for Canton because its payment model depends on programmable settlement, controlled visibility, and institution-specific rules. CIMS-style identity, verification, and settlement flows benefit from a network where privacy and finality are built into the architecture.
Canton lets Roots connect on-chain settlement with real-world payment workflows without making every payment detail globally public.
What Makes It Unique
Roots combines payment UX with institutional-grade routing. Instead of asking users to copy wallet addresses, CIMS resolves names and institution-scoped identifiers on-chain, while institutions keep control over compliance rules and counterparty policies.
What's Included
Payments
The published merchant flow separates payment confirmation, conversion and bank payout. The site describes bank settlement within one business day; this is not the same event as blockchain settlement.
CIMS
CIMS provides institution-scoped identifiers and routing with configurable rules. Its published design includes governed finality windows, so “instant and irreversible” is not a complete description of every transfer.
Application and bridge
Check each product’s supported network, asset and access conditions. Features or yields described for Tempo should not automatically be attributed to Canton.
Official Resources
Behind the Scenes
Roots pairs payment acceptance and user-facing products with an on-chain identity and messaging layer. CIMS identifiers encode rail, issuing institution, and account reference, while transfer rules are enforced by smart contracts.
Impact
Roots shows how programmable money can move closer to everyday payment experiences: tap-to-pay, named recipients, institution-configured compliance, and faster settlement without relying on correspondent-bank style reconciliation.
