FinCEN MSB · Non-custodial

Link your money.Link your world.

One identity for wallet, card, USD rails and AI — linked to a single DID that only you control.

Wallet Card USD Rails AI Agent

you hold your keys·connects to licensed partners

App availability varies by region  ·  View supported countries

Wallet
USD Rails
Visa Card
AgentFi
9:41 5G

Mint Identity Root

Create your decentralized identifier (DID) linked to self-custody keys on your device.

@ .id.idao.eth

Visa Virtual Card

Access stablecoin-to-fiat virtual payments. Facilitated by licensed partners, subject to review.

•••• •••• •••• 4012

USD Banking Rails

Setup virtual ACH/routing numbers to deposit and link fiat cash to your wallet.

PARTNER BANKLead Bank
ROUTING NO.021000021
ACCOUNT NO.••••••••9381

Active Ledger

Every USD/stablecoin transfer and card purchase updates your self-custody ledger.

ACH Deposit (Partner Bank)
+$1,250.00
Stripe Payment
-$180.00
Coffee Purchase
-$8.50

Active & Linked

username.id.idao.eth
TOTAL VALUE $1,061.50
DID Active Wallet Active USD Connected
Get App
Connected system

Your DID becomes the control layer.

One identity root connects your self-custody wallet, partner-enabled card access, USD rails and AI-assisted workflows.

Core modules

One identity, five connected layers

Wallet, identity, card and USD access — built around a DID you control. Card and account services are facilitated by licensed partners, subject to eligibility and compliance review.

Live

Self-Custody Wallet

Your keys stay on your device. Hold, add tokens, and move assets across supported chains — you stay in control the whole time.

Add tokenSwapBridgeBuyHistory
Live

DID / ENS Identity

Claim a portable handle as name.id.idao.eth — an ENS-based identity root that links your wallet and payment access.

Claim handleENS identityWallet-linked
Partner-connected

Visa Card Access

Apply for virtual card access for online payments. Card services are issued by licensed financial-institution partners — not by iCloser — with 3DS and review-gated access.

Virtual cardOnline payments3DSReview-gated

Availability varies by region, partner program, eligibility and compliance review.

Partner-connected

USD Rails / VA Account

Access a USD virtual account with ACH and SWIFT rails provided through regulated partners, for eligible users where available.

USD accountACHSWIFTPartner rails

Account and settlement services are provided by regulated financial partners, subject to compliance review.

Coming soon

AgentFi

An AI assistant that helps you navigate wallet, identity, payment and security workflows. Every action needs your explicit confirmation.

Guided workflowsUser-approvedAudit trail

A planning and assistance interface — no automated earning or investment outcomes.

Product line

KernelHub

The AI execution layer. KernelHub connects AI Employees to runtimes, devices and tools under an explicit permission contract — turning goals into tasks that are tracked, approved and verifiably done.

AI EmployeeRuntimePermissionTaskExecutionArtifact

A separate iCloser product line, linked through DID. Explore the iCloser × KernelHub model →

Trust & compliance

Built non-custodial, reviewed by design

A technology platform for identity, wallets and partner-connected payment access — with disclosures kept review-ready.

United States FinCEN Money Services Business
Registration Number: 31000311076673 Status: Active
Verify
United States SEC Exempt Reporting Adviser
CRD: 338976 SEC Number: 802-134747 Status: Active
Verify
Canada FINTRAC Money Services Business
Registration Number: N300000913 Status: Registered
Verify
Non-custodial by design iCloser does not custody customer funds. Users retain control of private keys and digital assets.
Partner-connected access Card and USD rail services are facilitated by licensed third-party financial institutions where available and subject to eligibility and compliance review.
Review-ready disclosures Compliance, risk, privacy and self-custody disclosures are maintained for user and partner review.

FinCEN MSB and SEC ERA registration does not imply endorsement by these agencies or any government agency. Registration with FINTRAC does not constitute endorsement, approval, or licensing by FINTRAC or the Government of Canada. iCloser is a non-custodial technology platform. Card and account services are provided by third-party financial institutions where applicable and subject to review.

How it works

From identity to access in four steps

Start with who you are, then connect what you control — access to partner services follows review.

01

Create your identity

Mint your DID handle as name.id.idao.eth — your identity root.

02

Connect your wallet

Link your self-custody wallet. Keys stay on your device — add tokens, swap, bridge and buy.

03

Access card & USD rails

Apply for Visa card and USD account access through licensed partners, subject to review.

04

Manage with AgentFi

Use the AI assistant to navigate identity, payments and security — always with your confirmation.

Product preview

A working system, guided by AgentFi

Your identity, wallet, card access and USD rails in one place — with an AI assistant that guides each workflow. Every action needs your confirmation.

iCloser9:41
DIDusername.id.idao.eth Active
WalletSelf-custody Active
Visa AccessOnline payments Review-gated
USD RailsACH / SWIFT Partner-connected
AgentFiGuided workflows Ready
AgentFi Guided
Explain this transaction
Check wallet risk before sending
Review my card access status
Guide me through USD rails setup
Ask AgentFi to guide a workflow

Guided assistance only — every action needs your confirmation. AgentFi does not provide investment advice and produces no automated earning outcomes.

Real app foundation

Built from the real iCloser app.

Screens are based on the actual iCloser app experience and shown with demo or masked data. No real customer information is displayed.

Real app foundationBuilt around the actual iCloser iOS product flow.
Masked by designBalances, card numbers and account details are hidden.
Review-readyCard and USD access remain partner-connected and subject to review.
iCloser app — Home (demo data, balance masked)
DID / Home
iCloser app — Wallet, balance masked (demo data)
Wallet
iCloser app — Visa card access (demo data)
Visa / VA

Masked product previews. Demo data only. No real customer balances, card numbers or account details are displayed.

On-wrist access · In development

Your financial access layer, on your wrist.

iCloser for Apple Watch is being designed as an on-wrist extension for glanceable balances, market context and sensitive-action approvals — non-custodial by design.

Glanceable accessWallet, card and USD status at a glance.
On-wrist approvalsReview sensitive requests before confirmation.
AgentFi alertsGuided workflow alerts and security prompts.
Explore Apple Watch
iCloser 2:14
VA
VA balance$12,540.20
VISA
Visa balance$8,320.15
Crypto wallet$38,760.00
!
Pending authorizationPassword change verification
Top up Visa 2:15
VISA •••• 1234 $8,320.15
VISA •••• 5678 $1,500.00
FromCrypto Wallet
ToVisa ···· 1234
Transfer to VA 2:15
USDT top-up VA balance
$100
Max per transfer $1,000
Pending 2:15
Action required
🔒
Change password Your authorization is required Web · just now Expires in ~2 minutes
This action will change your account password. Approve only if you initiated it.
Cross-chain 2:16
USDT Polygon
USDT Ethereum ▾
$100
Network fee$0.10
Receive99.9 USDT

Your phone becomes the command center. Your watch becomes the approval layer.

One identity for wallet, card, USD rails and AI.

Download iCloser on iOS and hold your keys from day one. Access to card and USD rails is provided through licensed partners, subject to review.