# insimbi insimbi is built to curate the right transaction, rails and record for every value movement, whether fiat, stablecoins, markets or tokens. For US enterprise merchants: you set the rules for routing, payouts and pricing, see every fee and every decision, and keep your data. Built for: Payments & finance leaders (/pricing/#finance); Engineering & platform leads (/developers/#platform); Operations leads (/product/#operations) ## The right rails. The right record. insimbi is built to curate the right transaction, rails and record for every value movement, whether fiat, stablecoins, markets or tokens. For US enterprise merchants. You set the rules. You see every fee and why each payment went where it did. ## Every value movement Six kinds of value movement. Market figures from public sources, not insimbi's own numbers. Forecasts are marked. ### Fi Fiat · cards - **$11.903 trillion** spent with US-issued credit, debit and prepaid cards in 2024. Source: [The Nilson Report, March 2025](https://www.globenewswire.com/news-release/2025/03/19/3045828/0/en/merchant-processing-fees-in-the-united-states-exceeded-187-billion-in-2024.html) - **$187.20 billion** in processing fees paid by US merchants to accept card payments in 2024. Source: [The Nilson Report, March 2025](https://www.globenewswire.com/news-release/2025/03/19/3045828/0/en/merchant-processing-fees-in-the-united-states-exceeded-187-billion-in-2024.html) ### Sc Stablecoins - **$320 billion** stablecoin market capitalisation, around this level as of end-May 2026. Source: [BIS Annual Economic Report, June 2026](https://www.bis.org/publ/arpdf/ar2026e3.htm) - **$28 trillion** estimated stablecoin transaction volume in 2025. Raw figure: the BIS notes volume net of transfers between a party's own wallets is far lower. Source: [BIS Annual Economic Report, June 2026](https://www.bis.org/publ/arpdf/ar2026e3.htm) ### Mk Markets - **15.3 billion** listed options and futures contracts cleared by OCC in 2025, a record. Source: [OCC 2025 Annual Report](https://annualreport.theocc.com/2025/a-message-from-leadership) ### Tk Tokens - **$39.19 billion** distributed value of tokenized real-world assets onchain, excluding stablecoins, as of 13 October 2026. Source: [RWA.xyz, as of 10/13/2026](https://app.rwa.xyz/) ### Mm Machine & agentic - **$3 trillion to $5 trillion** (forecast) of global consumer goods commerce that AI agents could mediate by 2030, under moderate assumptions. Source: [McKinsey, The agentic commerce opportunity, October 2025](https://www.mckinsey.com/capabilities/quantumblack/our-insights/the-agentic-commerce-opportunity-how-ai-agents-are-ushering-in-a-new-era-for-consumers-and-merchants) ### Vs Value-added services - **$10.9 billion** revenue from value-added services at one card network, Visa, in fiscal 2025. Source: [Visa Inc. Form 10-K, fiscal 2025](https://www.sec.gov/Archives/edgar/data/1403161/000140316125000089/v-20250930.htm) More on cards: - **$1.57** in fees for every $100 in card payments merchants accepted in 2024. Source: [The Nilson Report, March 2025](https://www.globenewswire.com/news-release/2025/03/19/3045828/0/en/merchant-processing-fees-in-the-united-states-exceeded-187-billion-in-2024.html) - **$34.12 billion** in interchange fees across all US debit and general-use prepaid card transactions in 2023. Source: [Federal Reserve Board, Regulation II data, 2023](https://www.federalreserve.gov/paymentsystems/2023-interchange-fee.htm) ## Every movement. The right path. Most merchants can't see how their money moves. Fees are blended. Holds aren't chosen. Routing can't be inspected. insimbi picks the right transaction and rails for each movement, keeps the record, and shows you why. ## Four controls. You set each one. Turn a control off and watch the simulated payments change. - **Route**: Choose where each transaction goes. - **Pay out**: Choose when money lands. - **Price**: See every fee, line by line. - **Own**: Export your data, any time. | line | amount | |---|---| | authorization | gross amount | | network fee | at cost, itemized | | insimbi fee | our fee, itemized | | settled to you | net, on your schedule | ## Readable by people and by agents. Every page here also exists as markdown. Agents can read /llms.txt, follow /agents.md and use the API, with the same controls you have. ## Move one rule at a time. Connect, mirror, move. Run both setups side by side. Shift traffic by rule, and roll back in one step. ## What we can show you, and when. Procurement will ask. We list certifications, audit reports and uptime commitments only once they are real and audited. | item | status | |---|---| | PCI DSS | published once audited | | SOC 2 | published once audited | | Uptime SLA | published once contracted | | Trust documents | on request | ## Talk to us. Tell us how your payments run today. We will show you what you could control. ## Umuntu ngumuntu ngaBantu. It means a person is a person through other people. We think payments work the same way: a payment only completes when every party does its part. insimbi is isiZulu for iron. Our ring is drawn as iridium, the most corrosion-resistant metal known. We chose it on purpose. Payments should not corrode. Iridium is one of the rarest elements on Earth, a platinum-group metal, and South Africa is both its largest producer and its largest reserve holder. Source: [Royal Society of Chemistry, Periodic Table: Iridium](https://periodic-table.rsc.org/element/77/iridium) Ask insimbi: open the command bar with ⌘K / Ctrl+K. --- # Product Four controls. You set each one. Most payment setups give you a dashboard and keep the decisions. insimbi gives you the decisions. There are four controls. Each one is a setting you own. Each change is logged and can be undone. - [Routing](/product/routing/): Choose where each transaction goes. - [Payouts](/product/payouts/): Choose when money lands. - [Fee visibility](/product/pricing/): See every fee, line by line. - [Data](/product/data/): Export everything, any time. ## For operations leads Disputes, refunds, payouts and exceptions sit in one queue. Each item shows the rule that caused it. You don't need a support ticket to learn why money moved. - **Exception queue**: Disputes, refunds and failed payouts in one list. - **Rule attached**: Each exception shows the rule behind it. - **Payout reconciliation**: Each settlement is matched to its transactions. - **Audit log**: Who changed what, when, and what it touched. ## Every change is logged Each change records who made it, when, under which rule, and what it touched. You can undo any change in one step. --- # Routing You choose where each transaction goes. Write the rules: by card type, region, amount or time. insimbi runs them across your processors and networks. You see which rule sent each transaction where. _Stub page: prototype._ --- # Payouts You choose when money lands. Set when and where money lands, per account and per currency. The schedule is yours, and it is written down. _Stub page: prototype._ --- # Pricing visibility Every fee, line by line. Every transaction comes with its own fee lines: network, scheme and ours. Nothing is blended or rounded away. _Stub page: prototype._ --- # Data Your data. Export it any time. Raw events, settlements and fees, streamed or exported. If you leave, your data leaves with you. _Stub page: prototype._ --- # Developers One API, for your team and your agents. Anything you can do in the dashboard, you can do through the API. Every page on this site also exists as markdown: add .md to the address. ## For engineering and platform leads Routing rules are code. You can review them, diff them and roll them back. ``` curl https://api.insimbi.net/v1/routes \ -H "Authorization: Bearer $INSIMBI_KEY" # endpoint not final ``` The API reference, SLAs and SDK list are published at launch. For early access, write to sales@insimbi.net. ## Readable by agents - [llms.txt](/llms.txt): An index of this site for language models. - [llms-full.txt](/llms-full.txt): Every page in one file. - [agents.md](/agents.md): Instructions written for agents. --- # Changelog What changed, and when. ``` 2026-10 insimbi.net: copy rewritten in plain language 2026-10 insimbi.net v2: segment market figures with sources, mobile navigation, full-width layout ``` --- # Pricing Fees you can read before you sign. We will publish our pricing. Every transaction shows its own fees: network, scheme and ours. Nothing is blended. - Card-present - Card-not-present - Payouts - Platform fee **Published at launch — talk to us: sales@insimbi.net** ## For payments and finance leaders See what each transaction costs by network, region and route. Model a routing change before you make it. Your auditors see the same ledger you do. - Effective rate by network, region and route - Cost-model export - Contract term - Volume tiers Enterprise terms: sales@insimbi.net. --- # Switch Move at your own pace. Roll back any time. There is no big-bang migration. You run insimbi next to your current setup and move traffic one rule at a time. 1. Connect: bring in your current configuration. 2. Mirror: run live traffic through both and compare the cost and outcome of each transaction. 3. Move: shift traffic by rule, one region, card type or percent at a time. Roll back in one step. 4. Own: end the old contract when the numbers say so. To plan a parallel run, write to sales@insimbi.net. --- # Customers Merchants who run their own payments. We publish a customer story only when the customer approves it. Until then, there are no quotes and no numbers here. --- # Company We curate the right transaction, rails and record for every value movement. - **About**: We curate the right transaction, rails and record for every value movement: fiat, stablecoins, markets or tokens. Built for US enterprise merchants. - **Contact**: sales@insimbi.net ## Origin > Umuntu ngumuntu ngaBantu. insimbi is isiZulu for iron. Umuntu ngumuntu ngaBantu means a person is a person through other people. We think payments work the same way. A payment only completes when every party does its part. A merchant should get stronger through its network, not more dependent on a middleman. Our ring is drawn as iridium, the most corrosion-resistant metal known. Most of it comes from South Africa's Bushveld Complex. We chose it on purpose: payments should not corrode. --- # Security What we can show you, and when. Procurement will ask, so the answers will live here. We list a certification, audit or uptime figure only once it is real and audited. ## Trust documents For our security questionnaire, DPA and subprocessor list, write to sales@insimbi.net. --- # Legal Terms and privacy. Our terms, privacy policy and licences are published at launch. Questions: sales@insimbi.net. --- # Status System status. A live status page is published at launch.