Loadit is an AI-powered financial rail that converts cash, cards, and fiat into stablecoins and crypto in seconds. Its patent-pending Unified Financial Rail uses its AI, HQ, to route every payment across the cheapest, fastest network available.

How does Loadit turn cash into crypto?

A shopper pays with cash or card at a merchant on the Loadit network. The transaction is tokenized, identity-verified, and routed by HQ across L1s, L2s, Lightning, or banks — settling on-chain in seconds while the merchant still receives familiar fiat.

How does HQ route payments?

HQ is Loadit's AI routing engine. It scores routes across legacy processors, blockchains, and liquidity pools in real time, choosing the optimal settlement path on every transaction — cutting fees by up to 86%.

Which networks does Loadit support?

Loadit arbitrates across Bitcoin, Ethereum, Solana, Base, XRPL, Polygon, the Lightning Network, and traditional banks — treating them as one unified rail.

Yes. Loadit uses end-to-end encryption, identity verification bound to every transaction, in-rail compliance with cryptographic audit trails, continuous AI monitoring, a self-healing network, and post-quantum-ready primitives.

What does Loadit charge?

Loadit charges a flat 0.75% convenience fee — built to compete with banks, not to extract from users. Its HQ engine routes the underlying network fees to the cheapest available path.

No. Loadit is non-custodial and never holds user funds. Keys and signing stay with the user's wallet; Loadit only routes and settles payments.

HQ is Loadit's AI. In the app, you tell it what you want to do with your money in plain language; on the rail, the same intelligence scores every network and executes the cheapest real route.

Pulse is Loadit's offline payments feature. You can send money to any phone nearby over Bluetooth with no internet; funds are locked in escrow and a cryptographically signed claim settles the moment either phone reconnects.