Define
Settlement Flows.
An Hour.
Brief to Settled.
$ encrypt · verify · settle> ./reineira _
Programmable settlement infrastructure for humans and agents — encrypted, underwritten, permissionless.
The Operating System
Three layers. One stack.
Encrypted flows
Every flow is a confidential conditional settlement — lock funds, verify conditions, release on proof.
Underwritten outcomes
An open marketplace of underwriters prices the risk and backs the outcome — coverage that pays out.
Permissionless orchestration
A permissionless operator network relays, enforces and settles across chains — staked and slashable.
Developer Experience
Describe it. Ship it.
Describe a condition in plain English. Your AI editor writes the resolver, the CLI ships it, Atlas scaffolds the venture.
Compatibility
Drops into every editor
Core Primitives
The Reineira Settlement Standard
Everything serves the Flow. Gates tell it when to release. Cross-chain tells it where funds arrived. Insurance protects it. Operators execute it.
Escrow
FHE-encrypted escrow where amounts, terms, and counterparties are invisible to all observers.FHE-encrypted contracts hold funds with amounts, terms, and counterparties invisible to all observers — including operators. Silent failure pattern ensures unauthorized redemptions are indistinguishable from successful ones.
Insurance
Coverage pools backed by encrypted liquidity. Pluggable risk evaluation and automated dispute resolution.
Operator Network
Staked operators relay cross-chain settlements, enforce conditions, and execute multi-party flows on-chain.
Ecosystem
Building on ReineiraOS
Teams shipping conditional settlement — payments, verification, infrastructure.
Confidential BNPL
“We couldn’t ship BNPL on-chain — borrower data leaks. FHE underwriting solved it.”“We couldn’t ship BNPL on-chain — borrower data isn’t supposed to leak. FHE underwriting fixed that; installments settle without us seeing inputs.”
Core Team, Privara
Visit siteVisit privara.xyz
Inspection Underwriting
“Cars don’t sell on trust. The inspection report underwrites the escrow — payouts in digital EUR.”“Cars don’t sell on trust. The inspection report underwrites the escrow — pass and funds release in digital EUR; fail and the buyer’s covered.”
Product Team, CarScreener
Visit siteVisit carscreener.xyz
Confidential Infrastructure
“Privacy is the product. FHE escrow settles subscriptions without us ever knowing who paid.”“Privacy is the product — the billing has to match. FHE escrow settles subscriptions without us ever knowing who paid.”
Infrastructure Team, White Stripe VPN
Visit siteVisit whitestripevpn.com
Earn from the protocol
Open infrastructure with distinct earning roles — build Gates, fund insurance pools, or run the operator network.
Rates show the activation schedule. During unaudited chaos-net, fees are zero — operators earn a cUSDC subsidy. No REINEIRA token yet.
Build plugins. Earn per settlement.
Gates verify conditions. Policies price risk. Both are plugins — one interface, deploy once, earn every time the protocol settles.
2 functions
Plugin surface
10 min
Time to deploy
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0.25%
Escrow fee
Per settlement
Earn model
2 functions
Plugin surface
10 min
Time to deploy
0.25%
Escrow fee
Per settlement
Earn model
Stake in pools. Resolve disputes.
Deposit liquidity into insurance pools and earn yield from premiums. When disputes arise, accurate verdicts earn rewards.
Per policy
Premium
Net premiums
Yield
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Policy-based
Dispute resolution
Automated
Payout
Per policy
Premium
Net premiums
Yield
Policy-based
Dispute resolution
Automated
Payout
Run operators. Connect the network.
Operators relay cross-chain settlements and enforce conditions. Coordinators distribute tasks. Both earn fees per operation.
0.35%
Relay fee
60s
Exclusive window
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600s
Permissionless
7 days
Unbonding
0.35%
Relay fee
60s
Exclusive window
600s
Permissionless
7 days
Unbonding
Non-custodial
Smart contracts hold funds. Not us. Not operators. Not anyone.
Confidential
Amounts encrypted by default — not by opt-in, not by mixing, not by obscurity.
Conditional
Funds release when Gates verify. Not when a platform decides. Not on a schedule. When conditions are met.
Open
Build a Gate. Fund an insurance pool. Run an operator. Contribute to the protocol — don’t just use it.
Start building on ReineiraOS.
Encrypted settlement. Open infrastructure. Your rules.