Your money isn't just about completing a transaction





It's about the experience of using it.



Here is a way to bring computations & cryptography to consumers' hands







World's first wearable vault

Its' not just a watch...

It's a nano-computer!


Together with a smartphone, it can do amazing things.









Store funds offline and transact from it.




Person-to-person encrypted transfer:CENDS VAULT
No more online data processing. CENDS vault processes them offline, and sends out encrypted data.
A bio-metric password that is always with a person:FINGERPRINT
No more passwords or keys! It's all locked with finger. Wherever you are, just Tap and Go.
A universal reader that's with almost everyone:SMARTPHONE
No more typing card numbers or swiping machines! Anyone, anywhere in the world can receive payments.
Location-independent transactions:GRAVITY CODE
No more worrying about multiple service providers for forex and native transactions. It's an all-in-one package.

Why is this technology so important?

Here is a gist of our research conclusions that has urged us to build such a technology.

The control of our data that is no more our hands

There are two root causes of all the cyber-attacks. First, is that we have made the systems on the network knowledgeable with certain sensitive data. The reasons why companies do this, is to give a flawless service to their customers. Even consumers follow this practice for comfort. For instance, to avoid the effort in typing card number in a web page, consumers store it online in a 3rd party server for fetching it easily during online shopping. But the sad truth is, that the more we build and rely on completely online systems, the more we underestimate the ability of potential hackers. Every online data is vulnerable, no matter how much ever you protect it.
Second, the online systems that we build with the latest technology eventually gets older as years pass. In the mean time, internet-based technologies improve exponentially, but the systems already built remain the same, as it is not possible to invest millions of dollars every year to update the architecture with new technology. Thus, these online systems become easier to break in.
With CENDS, we want to build a system where the main intelligence to process a person's data is in the hands of the person, and not online. Also, it would let them make payments without having to type, swipe or store any card or data on foreign devices or pages. We want to empower consumers with an offline hardware, so that newer online methods don't weaken the hardware security.

Expensive hardware payment terminal upgrade

Initially we had swiping machines and terminals across the globe to use the magnetic stripe card to withdraw money from an ATM or to make a payment. With the arrival of new chip-enabled cards for better security and features, merchants across the world were required to change their swiping machines to accept payments, and banks were required to upgrade their ATM machines. This is an expensive affair. Some online sources claim that U.S. merchants could end up spending $2.6 billion to make their payment processing EMV-ready. Price of each reader ranges from $100 all the way up to $600, depending on the make and model. This cost is borne by the merchant. The merchants must train employees how to accept Chip & PIN payments (including how to process charge-backs and refunds). This cost can vary, depending on the size of the staff. Apart from this there is the cost of each card issued to the customer, and the cost of upgrading ATM machines borne by the banks.
Likewise, as time passes, new technologies will arrive into the market. But the cost of upgrading existing architecture is expensive for merchants and banks. With CENDS, we want to bring in a system, in which any payment receiver should be able to use the universally available terminal; i.e., his/her smartphone, without any additional hardware terminal.

Boundary restrictions of currencies

Making international transactions has been a long-fought problem by the banks, to build flawless systems which are as convenient to a user as the domestic transaction systems are. Banks haven't been successful in giving the consumers a fruitful experience in this regards, that gave rise to third party companies dedicated to offer the cross-border transaction services. Not only did banks lose their piece of cake from the table, but also did consumers end up using multiple service providers after going through the pain of finding a satisfactory provider, not being able to be loyal to anyone in the end.
With CENDS, we believe we can remove this disparity and bring the comfort of doing the international transactions at the same speed and comfort of doing domestic transactions.
CENDS is a brand owned by InDreamer. For information about the company, portfolio and contacts, visit the corporate website.