Settlement Infrastructure
for Institutional FX
KXCO Armature is a private, permissioned Layer 1 blockchain built for cross-border payments at institutional scale. Post-quantum secured. OTC-native. Audit-ready on day one.
Built for institutions, not retail
Multi-Layer Post-Quantum Security
PQC is not a single toggle — it runs at every layer. NIST-standardised algorithms are enforced at the signature layer, the messaging layer, the API authentication layer, and the validator network simultaneously. The chain was quantum-resistant before its first block.
ML-DSA-65 Block Attestation
Every finalized block receives a post-quantum signature from each validator using ML-DSA-65 (NIST FIPS 204). Attestation logs are published externally so any third party can verify chain integrity without trusting the operator.
Quantum-Resistant Encrypted Messaging
On-chain messages and file transfers are encrypted using ML-KEM-768 key encapsulation combined with AES-256-GCM. Both sender and recipient hold independent decryption capability — no shared secrets, no key escrow.
ML-DSA-65 Institutional API Authentication
Institutions can authenticate every API request with a per-request ML-DSA-65 signature rather than a static credential. API traffic logs are useless to a future quantum attacker — each request is authenticated by a signature that cannot be forged.
OTC-Native Settlement
Rates are set directly from OTC desk quotes — no public order book exposure, no slippage. The operator locks a corridor rate and it is applied immutably to each payment instruction at the moment of submission.
Double-Entry Settlement Ledger
Every payment produces matched DEBIT and CREDIT ledger entries executed atomically. Correspondent account balances are maintained in real time. ISO 20022-compatible statements are available on request.
Cryptographic Audit Hash Chain
Every state transition on a payment — submission, rate lock, settlement, rejection — is hashed into a linked chain. Each entry commits to its predecessor. Tampering with any event breaks the chain and is immediately detectable.
Publicly Verifiable Attestations
Validator attestation logs are published to an external, independently auditable record after each block. Any regulator, auditor, or counterparty can verify that a given block hash was produced at a given time — without access to the private network.
Validator Key Isolation
Each validator operates with its own isolated cryptographic key material. No single compromise exposes more than one validator. The attestation and signing architecture is designed so that key material is never co-located across validators.
Verified Software Supply Chain
All node software is deployed from cryptographically verified images pinned to exact content digests. No runtime auto-update can silently replace validator software. What ran at genesis is what runs today.
Three steps from instruction to settlement
Connect
The institution connects via REST API or the admin portal and submits a payment instruction in their fiat currency — USD, EUR, GBP, AED, SGD, HKD, JPY, CNY, CHF, DKK, or BTN.
Rate Lock
The operator applies a pre-locked exchange rate derived from OTC desk quotes and live FX reference data. The corridor rate is fixed at the point of instruction — no market exposure during settlement.
Settle
The payment settles on-chain in ARMR with deterministic finality. The institution receives a confirmation with a full audit trail and an ISO 20022-compatible account statement on request.
Technical overview
| Consensus | Proof-of-Authority (PoA) — permissioned validators |
| Chain ID | 1111111 |
| Settlement token | ARMR — OTC traded via institutional desks |
| Signature scheme | ML-DSA-65 (CRYSTALS-Dilithium, NIST FIPS 204) |
| API authentication | Bearer tokens and ML-DSA-65 per-request signatures |
| Fiat corridors | USD · EUR · GBP · AED · SGD · HKD · JPY · CNY · CHF · DKK · BTN |
| Reporting | Full audit trail · ISO 20022-compatible statements |
| Block explorer | Blockscout — permissioned access |
About Knightsbridge Group
Knightsbridge Group is a UK fintech and the operator of KXCO Armature and the KXCO institutional payment rail. The network is deployed for regulated FX and cross-border payment businesses that require settlement certainty, full auditability, and post-quantum security without exposure to public market infrastructure.
Partnership pipeline includes the Royal Monetary Authority of Bhutan (RMA) and DK Bank. Institutional onboarding is by invitation only.
Interested in connecting?
Institutional onboarding enquiries are handled directly by the Knightsbridge enterprise team.