Time-locked promises, peer-to-peer loans, and AI-managed funds — all on one chain, with zero fees.
Choice One
KX (ChronX), Bitcoin, Litecoin, or another supported cryptocurrency.
What the recipient receives is the asset you chose — KX settles on-chain at zero protocol fees; each supported cryptocurrency follows its own settlement path as shown in the wallet before you sign. If you prefer to denominate in dollars, the wallet can price the promise in USD and settle the dollar amount through the exchange desk's published terms — the wallet always shows what will actually arrive, for whichever fund you pick.
A promise priced in Bitcoin is settled on the terms shown at signing — check the wallet's current support list for what is live today.
Choice Two
No invitation, no expiry clock. At the date, the promise becomes claimable — and if it goes unclaimed it simply waits on-chain at zero protocol cost. No deadline, no forfeiture, ever.
The recipient doesn't need a wallet when you send it — the invitation carries a claim link. Immediate sends: the three-day claim window starts when the invitation is sent, and you can cancel while it's unclaimed. Scheduled sends: a three-day window opens at each stage's unlock — three days past each unlock date.
Lock KX for a child's 18th birthday. Irrevocable after its cancellation window. On the day, the network delivers it — no one needs to remember; the recipient can also claim with one tap. Unclaimed KX waits at zero cost.
Send a recurring allowance to anyone in your family — a child at university, an aging parent, a dependent relative. Every payment is automatic and on-chain. No bank transfers, no forgotten payments, no fees. Ever.
Send value that outlives you. An on-chain promise waits at zero cost until the recipient claims — no trustee required. Independent providers listed in the Verifas directory may offer additional services under their own terms.
Annual giving, binding on-chain. No foundation overhead. No administrative cost. The charity receives exactly what was promised, when it was promised.
20-year payout, zero admin cost. No annuity company — the funds are locked on-chain, not held by an insurer. The settlement pays itself.
Vesting schedules enforced on-chain. The underlying grant is still governed by its legal agreement — ChronX enforces the timing. Employees see their vesting in real time, publicly verifiable.
Annual coupons with PAY_AS denomination. Real-time public payment status. Zero administration. Once funded, the coupon schedule executes on-chain.
TYPE C Credit Authorization. The client can revoke at any time. No chargebacks. No payment processor. Clean, revocable, on-chain billing.
Loans that renew every second. Interest calculated to the exact second. Zero fees. The entire loan lifecycle is automated on-chain.
TYPE C charges per AI decision. Complete on-chain billing. No payment processor. Every decision, every charge, publicly recorded.
AI agents send KX to each other. Simple JSON-RPC calls. No wallet unlocks. No gas. Machines transact as easily as humans.
KX always moves on the chain. PAY_AS records your denomination intent. At delivery, the node calculates how many KX equals your target amount using live oracle rates from XChan. If KX appreciated, the recipient gets fewer KX but the right value — and excess returns to the sender. At inception, two denominations are supported: KX (default) and dollar funds via XChan — and "dollar funds" means exactly what it says: settlement is USDC on Arbitrum through the XChan desk, not a bank-dollar transfer. A Bitcoin-denominated promise is priced in Bitcoin; it is not Bitcoin delivery.
A Use Case of Its Own
A message without money — or sealed with it. The message is always the optional part.
A short text note can be attached to a promise and opens when the promise matures. Where the content is stored, who can read it before the date, and what happens if keys or storage are lost — all of that is shown in your wallet, and reviewed as a claim, not assumed.
Video messages are a designed, planned feature — not a finished workflow. Until the complete path ships, no page on this site presents video delivery as available. Ask the evidence hub to check what exists now.
Start to Finish
Bob sends 10,000 KX to Mary, locked until January 1, 2030. Here is exactly what happens.
Bob opens his ChronX wallet and sends 10,000 KX to Mary's email, locked until January 1, 2030. No bank account needed — he only needs her email. She doesn't even need a wallet yet.
The promise is recorded permanently and publicly. Every promise carries its own cancellation window, chosen at creation and shown before signing — up to 7 days. Once a promise's window closes, it is irrevocable: Bob cannot take it back, and no bank, lawyer, or governance body can recall it. The wallet shows the exact 'Cancelable until' date for every promise.
A promise can simply hold — or a designated portion can be invested through the ChronX wallet, under a strategy you choose and a published mandate (executors include MISAI). You choose the investment objectives and strategy; Chronx does not assess whether that choice is suitable for you. A strategy can lose some or all of the invested funds even when the protocol operates correctly.
An authorized investment portion can only be used within its mandate — spending and withdrawal limits are enforced by the protocol, and fees come from proceeds, never from principal. But a limit on what an executor may do is not a floor on what markets can do: a fully authorized strategy can still lose. A strategy named SAFE is a risk profile, not a guarantee of capital preservation.
A fixed amount held until a date and the eventual proceeds of an investment are different promises. Before you sign, the terms say which one yours is — amount, or variable proceeds with gains, losses, fees, and any protections stated plainly.
Mary claims with one tap from her wallet — at maturity the network makes the KX claimable while its acceptance window is open. If she never claims, the KX waits on-chain indefinitely at zero cost: there is no protocol deadline and no forfeiture for an on-chain promise. (Email invitations are different: they carry a 3-day claim window, and unclaimed KX returns to the sender automatically.) If Mary is hard to reach, independent providers listed in the Verifas directory may offer locating or delivery services — those are the providers' services, under their own terms, not Verifas's actions and not protocol rules.
For a simple holding, Mary receives exactly what was promised. For an invested promise, she receives the actual proceeds — gains or losses included, fees disclosed. The protocol charged zero fees to store, lock, or deliver the promise either way.
The Big Picture
ChronX removes the middleman. No bank fees. No lawyer required. No trustee who can be pressured. The blockchain enforces it automatically.
Fees every year. Manager can be fired, sued, or pressured. Requires lawyers.
Enforceable but requires courts. Can take years and is expensive to dispute.
Self-executing. Zero protocol fees. AI-growable. Delivers automatically.
The ChronX blockchain is live. Download the wallet and claim 25 KX free — already on chain, ready to send to anyone with an email address.
No Fine Print