The Internet of Money (IoM)
Send to a username. Value routes itself.
IoM treats money like data: you choose who to send to and what to send (USD or any supported crypto). Loadit finds the best path across rails (banks, stablecoins, blockchains, payment networks) and delivers the recipient’s preferred currency — while staying compliant.
Username Send
How Loadit stays free for users
- Digital → Digital: Free routing for users (IoM handles the path).
- Cash/Debit/Credit → Solana (SOL): 2% load fee (low-fee network).
- Cash/Debit/Credit → XRP: 2% load fee (low-fee network).
- Cash/Debit/Credit → USDC / USDT: 2% load fee (stable + low network cost).
- Cash/Debit/Credit → Bitcoin (BTC): 8% load fee (higher due to BTC network fees + congestion).
- Cash/Debit/Credit → Ethereum (ETH): 8% load fee (higher due to ETH gas + congestion).
- Merchant delivery: 0.2% routing fee paid by merchants/rails when value is delivered.
What IoM does
Resolve
Usernames map to a delivery profile (preferred currency + available rails). Senders never need to pick rails, chains, or FX.
Burst
IoM splits value into packets to find the best paths (fastest, cheapest, most reliable), then automatically reroutes around congestion.
Deliver
Final value arrives in the recipient’s preferred currency — the complexity stays invisible.
Routing money like data
you can send a message from to because the internet routes data between different systems.
You don’t choose servers, protocols, or hops — you just hit send.
The Internet of Money (IoM)username
The recipient can receive value in , even if the sender used a different money app or rail.
In other words: you should be able to send value the same way you send an email between providers — without manually choosing networks, conversions, or settlement paths.
That routing layer is IoM.