# insimbi

insimbi curates the right transaction, rails and record for every value movement, whether fiat, stablecoins, markets or tokens. Every decision, every fee and every outcome, on the record. Built first for agents, predictive markets and real-money operators, then enterprises.

Built for: Payments & finance leaders (/pricing/#finance); Engineering & platform leads (/developers/#platform); Operations leads (/product/#operations)

## The right rails. The right record.

insimbi curates the right transaction, rails and record for every value movement.

## Every value movement

Six kinds of value movement. Market figures from public sources, not insimbi's own numbers. Forecasts are marked.

### Fi Fiat · cards
- **$11.903 trillion** spent with US-issued credit, debit and prepaid cards in 2024. Source: [The Nilson Report, March 2025](https://www.globenewswire.com/news-release/2025/03/19/3045828/0/en/merchant-processing-fees-in-the-united-states-exceeded-187-billion-in-2024.html)
- **$187.20 billion** in processing fees paid by US merchants to accept card payments in 2024. Source: [The Nilson Report, March 2025](https://www.globenewswire.com/news-release/2025/03/19/3045828/0/en/merchant-processing-fees-in-the-united-states-exceeded-187-billion-in-2024.html)

### Sc Stablecoins
- **$320 billion** stablecoin market capitalization, around this level as of end-May 2026. Source: [BIS Annual Economic Report, June 2026](https://www.bis.org/publ/arpdf/ar2026e3.htm)
- **$28 trillion** estimated stablecoin transaction volume in 2025. Raw figure: the BIS notes volume net of transfers between a party's own wallets is far lower. Source: [BIS Annual Economic Report, June 2026](https://www.bis.org/publ/arpdf/ar2026e3.htm)

### Mk Markets
- **15.3 billion** listed options and futures contracts cleared by OCC in 2025, a record. Source: [OCC 2025 Annual Report](https://annualreport.theocc.com/2025/a-message-from-leadership)

### Tk Tokens
- **$39.11 billion** distributed value of tokenized real-world assets onchain, excluding stablecoins, as of Oct 13, 2026. Source: [RWA.xyz dashboard, as of Oct 13, 2026](https://app.rwa.xyz/)

### Mm Machine & agentic
- **$3 trillion to $5 trillion** (forecast) of global consumer goods commerce that AI agents could mediate by 2030, under moderate assumptions. Source: [McKinsey, The agentic commerce opportunity, October 2025](https://www.mckinsey.com/capabilities/quantumblack/our-insights/the-agentic-commerce-opportunity-how-ai-agents-are-ushering-in-a-new-era-for-consumers-and-merchants)

### Vs Value-added services
- **$10.9 billion** revenue from value-added services at one card network, Visa, in fiscal 2025. Source: [Visa Inc. Form 10-K, fiscal 2025](https://www.sec.gov/Archives/edgar/data/1403161/000140316125000089/v-20250930.htm)

More on cards:
- **$1.57** in fees for every $100 in card payments merchants accepted in 2024. Source: [The Nilson Report, March 2025](https://www.globenewswire.com/news-release/2025/03/19/3045828/0/en/merchant-processing-fees-in-the-united-states-exceeded-187-billion-in-2024.html)
- **$34.12 billion** in interchange fees across all US debit and general-use prepaid card transactions in 2023. Source: [Federal Reserve Board, Regulation II data, 2023](https://www.federalreserve.gov/paymentsystems/2023-interchange-fee.htm)

## You can't see how your money moves.

Most merchants can't see how their money moves. Fees are blended. Holds aren't chosen. Rail choices can't be inspected. We work closest to the metal: we never stack our product on another PSP. One integration, every rail we connect to directly, each decision cited to its rule. Choice without fragmentation.

## Four controls. You set each one.

Turn a control off and watch the simulated payments change.

- **Rail**: Choose the rail for each transaction.
- **Pay out**: Choose when money lands.
- **Price**: See every fee, line by line.
- **Own**: Export your data, any time.

| line | amount |
|---|---|
| authorization | gross amount |
| network fee | at cost, itemized |
| insimbi fee | our fee, itemized |
| settled to you | net, on your schedule |

## Readable by people and by agents.

Every page here also exists as markdown. Agents can read /llms.txt, follow /agents.md and use the API, with the same controls you have.

## Move one rule at a time.

Connect, mirror, move. Run both setups side by side. Shift traffic by rule, and roll back in one step.

## What we can show you, and when.

Procurement will ask. We list certifications, audit reports and uptime commitments only once they are real and audited.

| item | status |
|---|---|
| PCI DSS | published once audited |
| SOC 2 | published once audited |
| Uptime SLA | published once contracted |
| Trust documents | on request |

## Request access.

Tell us how your payments run today. We will show you what you control with insimbi.

## Umuntu ngumuntu ngaBantu.

It means a person is a person through other people. We think payments work the same way: a payment only completes when every party does its part. Our ring is drawn as iridium, the most corrosion-resistant metal known. We chose it on purpose. Payments should not corrode.

Iridium is one of the rarest elements on Earth. South Africa mines about 80% of the world's supply, and the Bushveld Complex holds the largest reserves of the platinum-group metals it comes from. Source: [Royal Society of Chemistry, Periodic Table: Iridium](https://periodic-table.rsc.org/element/77/iridium) · Source: [International Platinum Group Metals Association, Iridium factsheet, March 2026](https://ipa-news.com/assets/pdfs/factsheets/2026-03-iridium-factsheet.pdf)

Ask insimbi: open the command bar with ⌘K / Ctrl+K.