American Unified Payment Gateway System
AUPGS
One unified rail for P2P, B2B, and cross-border payments. Settled in seconds, with a verifiable receipt and an audit-ready trail by default.
~$1 round-trip · settled in seconds · verifiable receipt
The problem we solve
Every U.S. SMB pays three middlemen on every card swipe.
Card networks, acquiring banks, and payment service providers each take a cut. Stack them up and a typical SMB loses 2.9–3.5% on every transaction — and 4–5%+ on small-ticket or high-risk ones. That's roughly a third of a typical SMB's profit margin. Funds move on one timeline, data moves on another, reconciliation arrives a day late.
Where every $100 on your register goes today
Blended SMB rate, before per-transaction fixed feesWith AUPGS, replacing the whole stack
What AUPGS does
Three things, in plain English.
Pays instantly.
Every payment settles in seconds — not the next business day, not in two.
Reconciles automatically.
Every transaction comes with a receipt anyone can verify, so books match the money in real time.
Costs a fraction of cards.
Up to 90% lower processing costs than the card networks SMBs use today.
Who benefits
Built for everyone who touches the money.
Small & medium businesses
90%+ lower processing costs, real-time settlement, no chargeback opacity. The money lands when the customer pays.
Banks & sponsors
White-label distribution, an audit-ready trail, and a modern instant-payments capability without rebuilding the core ledger.
Cross-border payers
Fewer hops, lower FX cost, faster delivery. One rail covers domestic and international flows.
Auditors & compliance teams
Every transaction comes with a verifiable receipt. Reconciliation is continuous — not an end-of-day batch job.
Why it works
Four reasons it actually delivers.
- 01
Built as one rail, not a stack of vendors.
Most of the fee leaks happen between providers. AUPGS removes the seams, and the middleman costs go with them.
- 02
Settles in real time.
No T+2. No hold periods. The customer pays and the merchant has the money — in seconds.
- 03
Every payment is independently verifiable.
No claim to take on trust. Anyone can confirm a transaction was real, complete, and final.
- 04
Three-layer fraud detection runs before settlement.
Every transaction is risk-checked through three independent layers before it lands on the ledger. Bad payments stop before they settle, not after.
Try a prediction
What would your business save?
Drop in your annual card-processing volume. We'll show what you pay today across the full stack — card networks plus the payment provider on top — and what you'd pay at the AUPGS planned rate.
Quick picks
Replaces, on every transaction
- · Visa, Mastercard, Amex, Discover interchange
- · Acquiring bank settlement
- · Stripe / PayPal / Square / Shift4 markup
Estimated annual savings
Estimate only. Card-network share from Nilson Report 2024 ($1.57 per $100). Acquirer + PSP markup from published 2025 pricing pages of Stripe (2.9% + $0.30), PayPal (2.99% + $0.49), Square (2.6–2.9%), and Shift4. AUPGS's planned rate is a target for the production rail, not a current contractual offer.
The working demo
See it work.
A real payment, settled in under two seconds, with a verifiable receipt — running against the live AUPGS testnet right now. No signup. No risk.
The founder
Built by Harsh Singh.
AUPGS is built by Harsh Singh, a systems architect and researcher working across financial infrastructure, clinical AI, and frontier AI research, based in Boston, Massachusetts. He holds a Master of Science in Computer Information Systems from Boston University (2024) and a Bachelor of Technology in Computer Science from Shri Ramswaroop Memorial University.
Alongside AUPGS, Harsh leads Rosenbound.com and Rosenbound.ai — a clinical AI and drug-discovery platform building causal-auditable infrastructure for FDA and EMA real-world-evidence submissions, anchored on a patent-pending neural counterfactual learner that quantifies fragility in observational pharma data.
He is also the sole inventor on a separately filed provisional patent covering a modular cognitive architecture aimed at the memory, causality, and hallucination limits of current large language models — thirty-plus claims across system, method, and computer-readable-medium categories, two thousand-plus lines of functional implementation, and twenty-plus verified unit tests behind the filing.
Earlier in his career, Harsh built AI/LLM model testing frameworks and Python/Java automation infrastructure — Pytest, Selenium — at Commute Cabs and WFX World Fashion Exchange. That QA discipline is why the platforms he ships read as production-validated infrastructure, not research prototypes.
He designs and operates AUPGS as a solo technical founder.
Contact: linkedin.com/in/harshsingh2103
Roadmap and market
Where this goes next.
Forward-looking. Everything described above this section is what AUPGS does today.
- Horizon 1
Sponsor bank and direct rail access.
Engage a US sponsor bank, stand up the three-tier compliance posture that bank partners now expect, and bring Phase 1 rails live for paying merchants.
- Horizon 2
Multi-rail smart routing.
Extend payment routing across instant, ACH, card, and stablecoin rails on the basis of cost, latency, risk, and recipient capability — under a single audit trail.
- Horizon 3
Regulated operations.
Pursue money-transmitter licensure in target states, position the AUPGS rail as an audit ledger acceptable to bank examiners, and open embedded-finance partnerships with non-bank platforms.
Market anchors
Where we stand today
What AUPGS is not.
AUPGS today is a working, publicly verifiable testnet of a planned production rail. For clarity:
- AUPGS does not currently process customer funds.
- AUPGS is not a money transmitter.
- AUPGS is not FDIC-insured.
- AUPGS is not a sponsor bank.
The roadmap above describes the path from testnet to regulated operations. Until those steps are complete, AUPGS exists as proof of architecture and a working demonstration — not as a regulated payments service.
Settlement currently runs on AUPGS internal clearing. Sponsor-bank and FedNow / RTP integration are Horizon 1 roadmap items, not present capabilities.
Architectural detail, settlement-ledger construction, and infrastructure topology are not disclosed publicly. They are available under NDA to investors and sponsor-bank diligence teams.
Contact
Two ways to reach me.
For investors
Pre-seed conversations and strategic introductions welcome. A deeper brief is available under NDA.
Reach out on LinkedIn →For technical review
Project documentation and recommendation-letter material available on request.
Reach out on LinkedIn →
Direct: linkedin.com/in/harshsingh2103