Vaiu

Vaiu Kosova brings Vaiu Global’s Ephemeral Token engine to the Balkans, giving banks and merchants “cash-like” digital payments that clear instantly, protect credentials, and run on the rails they already own.

What Vaiu Kosova Does

Vaiu’s software issues single-use Ephemeral Tokens that are created, validated, executed, and then expunged in milliseconds, preventing stored-credential fraud and supporting real-time settlement at scale.
The engine can process “millions of tokenized payments per second,” giving banks a low-latency alternative to card or blockchain rails.

Key Features

• Credential-free but compliant

• Atomic, instant settlement between parties, reducing counter-party risk and freeing up liquidity.​

• Programmable conditions & workflows for escrow, split-payments or cross-border FX.​

• API-first integration that slots next to core processors so pilots go live in weeks, not quarters.​