Nomesma
Nomesma
For CBDC teams

Ensure digital payments
never fail

Multi-hop traceable. Hardware-rooted. Offline-capable. Programmable currency with on-device enforcement. Built CBDC-first, deployable for any UPI or banking application.

Book a demo How it works

Always-on payments

Transactions complete online, degraded, or fully offline. Hardware-signed payloads reconcile cleanly when the device reconnects. No held funds, no dropped transactions.

Designed for national scale

Benchmarked at 12,000+ TPS on the offline path, matching UPI peak. Off-chain execution reduces real-time core-ledger load by batching settlement on reconciliation.

Operational clarity

Cryptographic proof of every hop in every transaction. Audit-ready settlement, regulator-grade reconciliation, precise attribution for any dispute or double-spend event.

Simple Integration

How it works

Our offline-first architecture keeps programmable money resilient without sacrificing settlement integrity.

  1. 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. 2

    Step 2

    Withdraw programmable balance

    Customers securely download an offline-capable balance to their device for in-person use.

  3. 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. 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.

Platform Preview

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

Applications

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.

Enterprise Grade

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
  • Hardware-rooted keys — Secure Enclave on iOS, TPM on Android. Never extractable from the device.

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
  • MFA is hardware-backed — authentication uses device-bound cryptographic credentials rather than transmissible secrets like OTPs.
  • Provisional patent filed on the offline payment architecture (multi-hop traceable, hardware-rooted token system).
Our Story

About Nomesma

Our story

Nomesma Payments was founded in 2025. The underlying offline payment system was first prototyped in 2022 as a research project that reached the finals of RBI HaRBInger 2023. The company was spun out in 2025 after a year of additional development, and reached the finals of RBI HaRBInger 2025.

Digital payments shouldn't break when networks do. We build the middleware that lets CBDC teams, banks, and payment operators stay in control of settlement while users transact seamlessly online, degraded, or offline. CBDC is our primary deployment; the same infrastructure serves event payments, disaster recovery, and any high-stakes digital payment system.

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.

Get in Touch

Let's connect

We work with CBDC teams.

Book a demo

Schedule time with us to walk through your CBDC requirements.

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