Pay, send value and operate on any chain by typing just an @username. No addresses, no gas, no bridges — and without depending on Visa or a custodian.
Binno is an on-chain payments, identity and liquidity infrastructure designed to make sending money and paying as simple as typing a username — regardless of the blockchain, the token or the device.
The goal is not to be "another blockchain", but the open standard on which the next generation of digital payments is built — the same way card networks are the invisible infrastructure behind millions of merchants, but with no custody, no mandatory banking intermediaries and none of their fees.
The non-custodial payment rail that works on any blockchain with just an @username — an Apple Pay-like experience, but on-chain and fully under the user's control.
The technology exists, but the human experience is still far too complex. And to spend crypto in the real world, today it is almost mandatory to fall back on the very centralized intermediaries crypto set out to remove.
Binno integrates six layers into a single experience where technical complexity disappears for the user. There is just one design principle: infrastructure must vanish in front of whoever uses it.
The user never sees addresses, never manages gas, never picks a bridge, never has to understand which chain their money travels from and to. They only see an @username, an amount and a destination network.
A single, global @username that replaces all your addresses across every chain.
No seed phrase. MPC custody where the user never gives up control of their funds.
In a physical store or online, via NFC or QR, with instant settlement.
Value travels between chains without you managing a single bridge.
Unlike most early-stage projects, Binno starts from verifiable, working technology:
We are raising capital to audit, scale and reach mainnet — not to find out whether the technology is possible. We already built it.
Payment infrastructure is moving toward on-chain rails irreversibly. Today crypto cards grow more than 100% per year, but Visa captures over 90% of that on-chain volume. The current way to spend crypto still depends on traditional card networks and custodial wallets.
Binno is the alternative that removes that layer: the first non-custodial, omnichain payment rail that needs neither Visa, Mastercard nor a custodian to work.
We start in Latin America — high-cost remittance corridors and economies with strong adoption of stablecoins and QR/NFC payments.
Market figures from public industry sources (2024–2025). "T" = trillion; "B" = billion.
The sovereign Avalanche L1 optimized for mass micropayments.
MPC custody with no seed phrase, genuinely non-custodial.
The universal @username identity system and omnichain interoperability.
The open on-chain settlement standard for physical and online payments.
The liquidity layer that converts and routes assets without friction.
Non-custodial credit backed by productive collateral.
A sovereign Avalanche L1, built on HyperSDK with Snowman++ consensus and optimized for mass micropayments. Its virtual machine, BinnoVM, is built with HyperSDK and tuned for high-volume payments. We built our own L1 because our core value proposition — a gasless user, cost measured in dollars, a Web2 experience — is architecturally impossible on a standard rollup.
BinnoChain is a closed, dedicated chain: it is not a platform for third-party dApps. It exists to power Binno's own services — BinnoPay, BinnoHub, BinnoCredit and BinnoWallet — much like other sovereign appchains built for a single purpose.
| Feature | BinnoChain | Typical networks |
|---|---|---|
| Sustained TPS | >20,000 (target >50,000) | 100 – 3,500 |
| Finality | <1 second | 1 – 5 seconds |
| Cost to the user | 0 (internal) | $0.01 – $0.10 |
| Stable fee in USD | Yes | No |
| Native NFC/POS support | Yes | No |
Internal transactions are free for the user; the network's structural cost is covered in aggregate by the validator reward model, not by a per-transaction fee.
TPS and finality figures are design targets, subject to validation through public benchmarks.
BinnoHub pursues a radical goal: the absolute simplification of the blockchain. That sending value or executing an action on any chain comes down to typing an @username and a destination network.
Three perfectly coupled layers: BinnoHub (the stable, verifiable identity core on BinnoChain), the SatelliteHubs (lightweight contracts on each external chain) and LayerZero V2 as the verified messaging layer.
Cross-chain integrity is secured by a Security Stack of multiple independent verifiers (DVNs), with failure handling that never leaves funds at risk.
For the user, BinnoPay is simply paying with NFC or QR using the crypto they already hold — on any network, fully on-chain, keeping control of their funds and their privacy. Underneath, BinnoPay is not a bank or a closed processor: it is the open on-chain settlement standard that POS makers and distributors, fintechs and wallets integrate into their products. Just as card networks are the rail, not the bank.
The merchant receives stablecoin and is free: conversion to local currency, if desired, is done through the external service of their choice. The protocol never touches fiat money, which keeps it decentralized and free of regulatory burden.
Not a DEX for traders, but the silent engine that converts and routes assets so that payments, transfers and credit work without friction. A 0.05% swap fee, with liquidity for major tokens backed by LayerZero's OFT/Stargate infrastructure.
Access liquidity without selling your assets, with a credit-card-like experience. Staked collateral generates yield that pays the interest. A conservative 50% LTV, variable rates based on utilization, and 100% automatic, tiered liquidations governed by code — nobody decides, the contract executes transparent rules.
All BNN value comes from real protocol usage, never from inflation. A fixed supply of 1 billion tokens. BNN is not used to pay gas; its functions are governance, staking with real yield, and validator bond.
The team receives 0% at TGE, with a 12-month cliff and a Smart Lock that re-locks each tranche for 5 years in staking — maximum long-term alignment. The flywheel: usage generates real revenue → BNN buybacks and staking yield → greater incentive to participate.
Binno is governed by progressive, honest decentralization: control of the protocol migrates gradually toward the community, and the project is transparent about what is decentralized at each phase.
We distinguish the protocol (which advances toward control by the DAO of BNN holders) from Binno Labs, the company that operates commercial products on top of the protocol — the same way any company can operate products on top of an open infrastructure. "Together but not mixed": the protocol is decentralizable while a real company builds and maintains products on it.
That @username becomes a global on-chain payment standard, present across multiple markets — so that accepting a payment stops meaning "accepting crypto" and simply means receiving an @username.
Binno is built by a team that combines obsession with the problem and direct experience in payment infrastructure.
Product visionary. In crypto since 2015, eight years building the solution to the payment friction problem.
Over 12 years in banking payment infrastructure and POS systems — the exact domain of the product.
Crypto-specific security is validated with independent Tier-1 audits before mainnet. The project includes advisors with proven experience in the sector.
Binno is an open standard meant to be integrated, not to build a new chain on. You connect Binno's services to the apps you already have through clean APIs and a read-only RPC — without running validators or deploying contracts on BinnoChain.
Add OnChain payments via NFC or QR to any POS or ecommerce. A pre-built pay button + open API, integrable in days.
Bring the universal @username into any wallet on any network, with automatic omnichain transfers over LayerZero V2.
Query network state and verify transactions through a read-only RPC on HyperSDK.
BinnoChain is a closed chain dedicated to Binno's services — integration happens through these standards, not by deploying third-party dApps on the chain.
Read the full technical document or get in touch with the team.
Informational document. It does not constitute an offer to sell securities, nor financial, legal or investment advice. Performance figures (TPS, finality) are design targets subject to validation. Market projections are estimates, not guarantees. Legal structure and regulatory compliance are subject to the relevant professional advice in each jurisdiction.