Always-on payments
Resilience across poor or no connectivity. Transactions complete in-person, then reconcile when either party is online.
For CBDC teams
Ensure digital payments
never fail
Software that keeps CBDC and digital payments flowing - online or offline - with verifiable reconciliation and accountable double-spend detection.
Designed for national scale
Programmable money support and off-chain execution that preserves core-ledger throughput.
Operational clarity
Audit-ready flows with precise attribution if offline misuse or collusion occurs.
How it works
Our offline-first architecture keeps programmable money resilient without sacrificing settlement integrity.
- 1
Step 1
Integrate once
We provide an SDK for the bank's mobile app and APIs at the Core Banking System (CBS) layer.
- 2
Step 2
Withdraw programmable balance
Customers securely download an offline-capable balance to their device for in-person use.
- 3
Step 3
Transact offline, verify later
Parties exchange signed payloads. If connectivity is absent, the transfer records are retained locally and queued for verification.
- 4
Step 4
Reconcile & settle
As soon as either party is online, our backend flags conflicts and checks for double-spend attempts. Ledger-level settlement occurs when the customer chooses to settle—analogous to depositing digital cash.
See it in action
A seamless experience across mobile and web—from offline payments to administrative oversight.
Mobile App
Wallet Dashboard
Balance, transactions & quick actions
Offline Payments
QR-based P2P transfers
Web Dashboard
User Dashboard
Full-featured web access for all users
Admin Console
Comprehensive oversight and management tools
Use cases
Built for central banks and commercial issuers who need programmable money to keep moving - in good coverage or none at all.
Primary Focus
CBDC teams at banks and NBFCs (primary)
Deploy resilient, programmable retail CBDC rails without overloading the core ledger.
Event & venue payments (in-person)
Fast tap/scan experiences with offline continuity; reconcile later.
Disaster recovery / degraded connectivity
Maintain essential payment flows during outages.
Security first
We take a defense-in-depth approach so regulated entities can trust programmable money even when users move value offline.
Controls
- Root/jailbreak checks, anti-tamper, anti-hooking defenses
- Secure Element (SE) usage when available; robust fallback when not
- Cryptographic signatures and rolling counters on value movement
- Policy-driven offline limits and risk thresholds
Our guarantees
- Rapid attribution for offline double-spend attempts, including collusion scenarios
- We do not claim perfect offline prevention on compromised devices
Standards & alignment
- Aligned with RBI expectations for CBDC offline modalities and responsible risk controls
- Nomesma is middleware, not a bank; features assist regulated entities
About Nomesma
Our mission
Nomesma started in 2022 as a college project. We exist so that people can trust programmable money even when networks are strained or unavailable. By giving CBDC teams a purpose-built middleware layer, financial institutions stay in control of settlement while customers enjoy resilient digital cash experiences.
Meet the team
H
Hardik Raheja
Founder
Hardik has been a leader with a vision to digitalize all forms of cash and make it programmable, he has been a leader and guiding light as well as a technologist who built the idea for the protocol.
J
Jaden Furtado
Consultant - Cyber Security
Jaden is an OSWE Certified Professional, who is helping build a secure offline-capable programmable money for the future.
Let's connect
We work with CBDC teams.
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Schedule time with us to walk through your CBDC requirements.
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