Every major financial transaction in America — buying a home, closing a business, settling a lawsuit, paying a medical claim — still settles the way it did in the 1970s. We built the infrastructure to change that.
When a house closes, there's a moment — sometimes hours, sometimes days — where the buyer has wired $600,000 and doesn't own the title yet. That's not a niche edge case. That's the standard. And that window is where $446 million in wire fraud happens every year.
When a healthcare claim is approved, the provider waits 90 days to receive money they earned yesterday. When an estate is settled, beneficiaries wait 18 months while attorneys coordinate across systems that don't talk to each other.
In every high-value industry — real estate, healthcare, law, insurance, government — the same pattern repeats: money and assets don't move at the same time, verification is manual, and the audit trail is built after the fact, not during.
Shteg is a hub-and-spoke architecture. The hub is our sovereign settlement engine — a single system that verifies identity, holds assets in cryptographic escrow, and executes transactions atomically on the federal instant payment network.
Each spoke is an industry-specific portal — healthcare, real estate, estates, M&A, courts, insurance, legal, government — that translates the unique requirements of that industry into atomic settlement operations on the hub.
The result: eight industries that have never had instant, verified, fraud-proof settlement now do.
Shteg was built from first principles — starting with the question of what instant, verified, fraud-proof settlement would actually require architecturally, then building that architecture rather than adapting existing infrastructure.
We started with healthcare because the problem is most acute and the audit requirements most demanding. A system that meets healthcare standards meets the standards of every other industry. That's Rail R01, and it's live.
Every subsequent rail was designed by understanding the specific verification requirements, legal standards, and fraud vectors of that industry — and encoding them into the settlement flow, not layering them on top.
Reach out to discuss your industry, your use case, or how Shteg could integrate with your existing systems.