A world where every country controls its own payment infrastructure
Our vision is a world where every country controls its own payment infrastructure. GMPS develops and licenses the standard, system architecture, and operating framework that allows any government or central bank to build and run a fully independent national payment scheme. We do not operate networks. We make it possible for sovereign entities to operate their own.
GMPS is a technology standard and infrastructure platform for sovereign national payment schemes. We provide the complete stack: transaction messaging protocols, post-quantum cryptographic architecture, clearing and settlement engine, and citizen-facing application framework. Each national implementation operates under a licensing agreement that grants full operational sovereignty to the implementing entity from day one, with an IP buyout option after a defined period.
Platform Architecture
Three Integrated Layers
Every deployment is built on Standard, System, and Solution. Each layer is sovereign-grade.
Primary Standard
Protocol & Governance Framework
Defines the protocols, rules, and governance framework for a complete national payment scheme from transaction initiation through clearing and final settlement, independently of any international card network.
Enterprise-grade transaction infrastructure connecting citizens, merchants, financial institutions, ATM operators, and public administration. Built for national-scale deployment with 99.999% availability and post-quantum cryptographic security.
The complete end-to-end service layer: regulatory strategy, system integration, citizen-facing applications, merchant onboarding, and ongoing operational support. Includes the Wheel App and a basic solution for older devices.
The citizen interface for national payment schemes. Check our nine app features.
01 — Pay
Contactless Payments
Supports all major contactless and digital payment methods operating on the national scheme infrastructure.
02 — ATM
Cardless ATM
Fully contactless ATM transactions. No physical card required at any point.
03 — Send
Money Transfer
Domestic and cross-border transfers on SEPA Instant rails. Real-time settlement, 24/7.
04 — Bills
Bill Payments
Invoices delivered directly to the app as structured digital payment requests.
05 — Member
Loyalty Programs
Consolidates all loyalty and membership programs into a single wallet interface.
06 — Tickets
Ticketing
Delivers transport tickets, event passes, boarding cards, and service vouchers.
07 — Verify
Digital ID
Complete digital identity and qualified signature layer integrated with the national payment scheme.
08 — Request
Receive Money
Enables any merchant or individual to accept payments directly from their mobile device.
09 — Options
Setup & Config
Complete control over account configuration, security settings, and transaction behavior.
About GMPS
Built for the era of payment sovereignty
GMPS was founded on a single premise: that sovereign payment infrastructure is a matter of national security, fiscal efficiency, and citizen trust, not a commercial convenience.
Our Foundation
Two decades in the making
GMPS was conceived in 2007 by its founder, who identified a structural gap in the global payments landscape: there was no open, interoperable standard that allowed countries or institutions to build and operate payment infrastructure independently of the major international card networks.
Development has proceeded over nearly two decades, incorporating advances in post-quantum cryptography (NIST PQC), ISO 20022 messaging, and real-time payment infrastructure design.
Today, GMPS delivers a deployment-ready platform for national payment schemes. Our team combines deep expertise in payment systems architecture, post-quantum cryptography, central bank integration, and regulatory compliance across EU and international frameworks.
Every deployment is built on three integrated layers: Standard (protocol and governance framework), System (real-time transaction network and infrastructure), and Solution (end-to-end deployment and citizen-facing applications). Each layer is sovereign-grade: designed so that the implementing jurisdiction owns and controls its payment infrastructure from day one.
2007
Founded
Identification of structural gap: no open standard for institution-independent payment infrastructure.
2015+
PQC Integration
Incorporation of NIST post-quantum cryptography standards into core architecture.
2018
Platform Architecture
Consolidation into three-layer model: Standard, System, Solution.
Today
Deployment-Ready
Full platform available for national scheme operators, central banks, and strategic partners.
Platform at a Glance
Architecture Layers3
App Features9
In Development Since2007
SettlementReal-time
Availability Target99.999%
CryptographyNIST PQC
JurisdictionDelaware, USA
Governance
Designed to outlast any single administration
Infrastructure of national significance must be insulated from short-term political cycles. GMPS licensing agreements are structured under international commercial law, ensuring that no unilateral action by any party can interrupt a deployed national scheme.
Governments and central banks that implement GMPS own their operational infrastructure from day one. The licensing structure exists not to create dependence, but to protect the continuity and integrity of the deployment over time.
🏢
Financial Institutions
Join as issuer or acquirer under a transparent, subscription-based model that eliminates per-transaction interchange dependency.
💰
Financial Services
Payment institutions, ATM operators, and e-money issuers connect to GMPS-certified national networks as licensed participants.
🛍
Business Partners
Retailers, travel operators, utilities, and e-commerce platforms accept GMPS-certified payments at a fraction of card acceptance costs.
🏛
Public Administration
Social benefit disbursement, tax collection, e-government payments, digital identity verification. All data under national jurisdiction.
GMPS Standard
Standard
The GMPS Standard defines the protocols, rules, and governance framework that make it possible to operate a complete national payment scheme from transaction initiation through clearing and final settlement, independently of any international card network.
01
Standards
Covers all major transaction types: NFC contactless with proprietary kernel and no EMV dependency, QR code, P2P, e-commerce, USSD, and offline emergency payments. All under a unified ISO 20022-aligned messaging protocol. Post-quantum cryptographic standards (ML-KEM-768, ML-DSA-65, SLH-DSA) natively integrated at protocol level.
02
Time & Cost Effective
In-house clearing and settlement eliminates reliance on international intermediaries and reduces per-transaction latency to real-time. The GMPS fee architecture is subscription-based and flat-fee: no per-transaction interchange. Revenue from payment flows remains within the national scheme and its participants.
03
Global
Designed for interoperability with SEPA, ISO 20022, and PSD2/PSD3 regulatory frameworks. National implementations can operate as standalone schemes or establish bilateral interoperability with other GMPS-certified jurisdictions. Compliance with EU payment services regulation including state aid review is a core design requirement.
Technical Architecture
What the Standard defines
At its core, GMPS is a transaction messaging standard and network layer for digital payments: a unified, centralized set of rules and protocols that supports interoperable transaction initiation, authorization, clearing workflows, reconciliation, and reporting across participants.
The network is built to serve banked and unbanked users, enterprises, and institutional actors, establishing a common operating model for domestic and cross-border transactions.
🔓 Authorization
Interoperable transaction initiation and real-time authorization across all participant types.
📋 Clearing
In-house clearance and settlement workflows. No international intermediary dependency.
📊 ISO 20022
Unified messaging protocol aligned with global and EU payment standards.
🔒 Post-Quantum
ML-KEM-768, ML-DSA-65, SLH-DSA. Secure against current and future threats.
GMPS System
System
Enterprise-grade transaction infrastructure for national payment operations. The GMPS System is the operational core of every deployment: a real-time network connecting citizens, merchants, financial institutions, ATM operators, and public administration under a single sovereign architecture.
Infrastructure
The operational core of every deployment
The System connects central banks and state development banks as settlement agents, commercial banks and credit unions as issuers and acquirers, ATM network operators, retail and e-commerce merchants via SoftPOS and API, and public administration for social benefit disbursement, tax collection, and e-government payments.
In-house clearing and settlement operates 24/7 with native integration to central bank RTGS infrastructure and SEPA Instant rails. Active-active failover architecture ensures 99.999% availability. Hardware security modules (Crypto Express 8S) manage all cryptographic key operations. Post-quantum cryptography (ML-KEM-768, ML-DSA-65) secures all transactions against current and future threats.
The GMPS System is compliant with PCI DSS, DORA, ISO 27001, PSD2/PSD3, and GDPR. All transaction data remains within the jurisdiction of the national operator. No data is routed through external commercial networks.
SoftPOS and API. No dedicated terminal hardware required.
🏛
Public Administration
Social benefits, tax collection, e-government payments.
🔒
Security
PCI DSS, DORA, ISO 27001, PSD2/PSD3, GDPR compliant.
GMPS Solution
Solution
The complete end-to-end service layer that takes a jurisdiction from decision to operational national payment scheme: regulatory strategy, system integration, citizen-facing applications, merchant onboarding, and ongoing operational support.
Overview
Security as the foundational design principle
Every transaction is secured by post-quantum cryptographic protocols. The citizen-facing application integrates national digital identity systems for KYC and transaction authorization. All processing occurs within the national jurisdiction.
Security is the foundational design principle. The GMPS Solution is the complete end-to-end service layer that takes a jurisdiction from decision to operational national payment scheme.
📱 Wheel App
Full-featured app for smartphones with all integrated services.
📞 Basic Solution
USSD-based solution for older or basic mobile phones.
📋 Merchant Onboarding
SoftPOS integration. No dedicated terminal hardware required.
🏛
Regulatory Strategy
End-to-end guidance from decision to operational scheme.
Features
The eight basic features in the Wheel App
PAY
Contactless Payment
Proprietary NFC kernel, QR code, biometric authorization, and P2P transfer. All payment methods operate on the national scheme infrastructure -- no international card network dependency. Offline payment capability available via time-limited cryptographic token.
ATM
Cardless ATM
Fully contactless cash withdrawals and deposits. No physical card required. Emergency offline withdrawal available with two-factor verification. Cross-border ATM transactions settle in real time.
SEND
Money Transfer
Domestic and cross-border transfers via SEPA Instant rails. Real-time settlement, no dependency on banking hours. Transparent flat-fee pricing, no hidden exchange markups.
BILLS
Bill Payments
Invoices delivered directly to the app as structured digital messages. One-tap payment authorization. Automated recurring payment scheduling with full audit trail.
MEMBER
Loyalty Programs
Unified loyalty and membership management. Bonus points credited automatically at point of payment. Supports unlimited merchant programs within a single wallet interface.
TICKETS
Ticketing
Transport tickets, event passes, boarding cards, and service vouchers delivered directly to the device at point of purchase. No separate app or print-out required.
VERIFY
Digital ID & Signature
Qualified electronic signature compliant with eIDAS. Digital identity documents stored as encrypted digital documents. Biometric data stored locally on device. Integrates with national digital identity infrastructure.
REQUEST
Accept Payments
Mobile payment acceptance for merchants and service providers -- no dedicated terminal required. SoftPOS integration. Automatic receipts and transaction reporting. Supports individual traders and micro-enterprises.
Wheel App
The citizen interface for national payment schemes
Nine integrated features. One sovereign platform.
01
Pay
Supports all major contactless and digital payment methods operating on the national scheme infrastructure.
02
ATM
GMPS ATM transactions are fully contactless. No physical card required at any point.
03
Send
Supports domestic and cross-border money transfers on SEPA Instant rails with real-time settlement.
04
Bills
Delivers invoices directly to the user's app as structured digital payment requests.
05
Member
Consolidates all loyalty and membership programs into a single wallet interface.
06
Tickets
Delivers transport tickets, event passes, boarding cards, and service vouchers.
07
Verify
Complete digital identity and qualified signature layer integrated with the national payment scheme.
08
Request
Enables any merchant, service provider, or individual to accept payments directly from their mobile device.
09
Options
Complete control over account configuration, security settings, and transaction behavior.
GMPS operates at the intersection of payment infrastructure, post-quantum cryptography, and sovereign technology policy. We work with governments, central banks, and financial institutions on some of the most technically and strategically complex projects in the financial sector.
Culture
People are essential to our business
Our customers and our colleagues are most valued for GMPS. Each person in our management team has a past in a corporation -- and we want to change the experience of working for a large entity.
😊
Joy
🌟
Happiness
💪
Responsibility
🚀
Freedom of Choice
Open Positions
Current Vacancies
No open positions at this time
Register your interest
We are not currently advertising open positions. To register interest for future roles in payment systems architecture, post-quantum cryptography, regulatory affairs, or national scheme deployment, please send your CV to us.
Whether you represent a financial institution, a government body, or are a strategic investor, we welcome the opportunity to discuss how GMPS can serve your mission.
