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Trustless Escrow and the End of “Will They Pay?”
Almost the entire apparatus of clearing, escrow, and margin exists to answer one question: will your counterparty actually perform? Traditionally we don’t eliminate that risk — we relocate it onto an intermediary engineered to absorb it, and pay for the privilege. Code-enforced escrow makes a stronger claim: remove the “will they pay?” failure mode entirely…
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Censor, Never Steal: Why the Service That Decides Is Never the Service That Signs
How FairWins runs a funded gas wallet on the open internet by splitting one server into two — a bouncer that decides, and an engine that pays The button that spends someone else’s money In part 1 of this series we covered the friendly half of gasless transactions: on FairWins, a user with no cryptocurrency for network…
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Compliance as Code: On-Chain Screening, KYC/AML Programs, and the Travel Rule
Sanctions screening is one pillar of a BSA/AML program — not the whole house. On a public blockchain, that distinction gets sharp fast: if your screening check lives only in the website, a sanctioned party who never loads your interface walks right past it, because the settlement contracts are directly callable. US sanctions exposure is…
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One Signature, Zero Gas: How Gasless Payments Actually Work
How FairWins turned every action into a signed “intent” — you sign what you want, and someone else pays the fee to submit it The Stranded User A user wins a wager on FairWins. Fifty USDC sits in escrow with their address recorded as the winner. All they have to do is claim it. One…
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Enough Signatures Is Not Enough: Adding Real Rules to a Shared Vault
How a small guard contract turns “enough people approved” into “enough people approved, and it obeys the rules” — with no admin key and no way to lock a vault out of its own money The transaction that had every signature it needed A three-owner treasury runs a two-of-three multisig: any two owners must approve…
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Shared Vaults Where No One Person Can Move the Money
Most shared-treasury tools quietly depend on a hosted server in the middle — it stores proposed transactions and collects everyone’s approvals, and if it disappears, coordination stops. FairWins has a hard rule against depending on a company server, so we built shared vaults using only the blockchain itself. The new post walks through the ideas…
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Sponsored Gas Without a Vendor: How “No Network Fee” Became True
Our passkey wallets had a broken promise: the confirm screen said “sponsored — no network fee,” but with nothing set up to cover it, a member holding only USDC couldn’t pay the fee, and the transfer failed. We had two options — change the words, or make them true. We made them true, without any…
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Tokenized Cash as the Unit of Settlement: What a Stablecoin Actually Is on the Books
When an application settles in “dollars,” a finance professional asks the right question: a claim on what, held by whom, redeemable how? A bank deposit, e-money, a money-market share, and a stablecoin all read as a dollar on a screen — and are four different instruments. A new Finance Professional Series briefing places the stablecoin…
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Losing Every Passkey Shouldn’t Mean Losing the Account
Recovery is the make-or-break problem for passkey wallets. Seed phrases were brutal, but everyone understood the recovery story. Passkeys deleted the twelve words — and if your credential lived in a browser profile that wasn’t syncing, phone backup won’t save you. Our latest post covers how FairWins made passkey accounts recoverable without bringing back the…
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Passkey Smart Accounts: A Wallet You Open With Your Fingerprint
Most crypto onboarding still starts with “write down these twelve words.” Your phone already has better: the same Face ID / fingerprint tech you use to log in everywhere. We turned it into a real, self-custodial wallet — no seed phrase, nothing to lose. 🔗 #passkeys #wallets #selfcustody