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| Land | Sverige |
|---|---|
| Lista | First North Stockholm |
| Sektor | Informationsteknik |
| Industri | Programvara |
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Crunchfish demonstrates Pay to Merchant payments that work even when systems are unavailable, without credit risk and without moving money to user devices. The demo highlights a seamless tap-to-pay experience powered by the signature life cycle of Reserve, Pay, and Settle of governed offline, challenging the structural limitations of traditional offline models. While legacy offline models force trade-offs between what is Bankable, Implementable, and Governed, governed offline shows that all three design criteria can be achieved simultaneously. This demonstration uses NFC for a simple tap-to-pay interaction, while the architecture itself is agnostic to proximity interaction technologies enabling scalable deployment across markets and devices. The question is no longer whether offline payments are needed, but which architecture will become the standard.
Crunchfish has released a new demo video showcasing its governed offline payment solution in a real-world Pay to Merchant (P2M) scenario. The video demonstrates how secure, intuitive payments can be executed seamlessly, even when the system is not available. The demonstration highlights a simple tap-to-pay interaction using NFC between a consumer device and a merchant terminal, illustrating a streamlined user journey with minimal steps and immediate confirmation. The experience is designed to feel familiar and frictionless for both consumers and merchants, while operating independently of continuous system availability.
Unlike traditional offline models, which either lose control of money (immediate offline) or introduce credit risk (deferred offline), Crunchfish's governed offline architecture enables payments without compromise. By reserving transaction capacity in advance rather than moving money out of the banking system, the solution ensures deterministic settlement, full regulatory control, and no unmanaged risk, even in offline scenarios.
This represents a fundamental shift in how offline payments can be implemented at scale. What has historically required trade-offs between usability, control, and risk can now be achieved simultaneously. The demo underscores how resilience and usability can be combined in modern payment systems. NFC enables fast and intuitive proximity-based interaction in this demonstration, while the governed offline architecture itself is agnostic to the interaction method and can support NFC, Bluetooth, QR codes, ultrasound, or combinations of proximity interaction technologies. This flexibility allows payment providers to adapt the user experience to different markets, devices, and acceptance environments.
The user experience has been designed to reduce complexity without compromising trust, enabling banks, payment providers, and payment service providers to offer a consistent and reliable payment experience across both online and offline environments.
"This demo shows that offline payments no longer require compromise. Governed offline enables a seamless user experience built on an architecture that meets the requirements of real-world payment systems," says Joachim Samuelsson, CEO of Crunchfish.
Crunchfish continues to work with ecosystem partners globally to enable commercially viable resilience at scale for payment systems. The demonstrated Pay to Merchant flow using the signature life cycle of Reserve, Pay, and Settle of governed offline represents an important step toward large-scale deployment of resilient digital payment systems.
The demo video is available on YouTube:
https://www.youtube.com/watch?v=O18L46cUu64
For more information, please contact:
Joachim Samuelsson, CEO of Crunchfish AB
+46 708 46 47 88
This information was provided by the above for publication on April 7th, 2026, at 08:30 CET.
Västra Hamnen Corporate Finance AB is the Certified Adviser. Email: [email protected]. Telephone +46 40 200 250.
About Crunchfish - crunchfish.com
Crunchfish is a deep fintech company developing patented governed offline payments technology for payment systems, banks, and payment applications. Its reservation-based Layer-2 architecture enables offline payments to operate as digital money, preserving central ledger authority, bounded exposure, and liquidity anchored within regulated institutions. By structurally aligning banking economics, scalable deployment, and governance continuity, Crunchfish enables offline capability at institutional scale without creating parallel forms of money or unmanaged credit risk. Crunchfish is listed on the Nasdaq First North Growth Market.