Ultra-secure voice, messaging and data solution.
End-to-End protection through biometrics and the blockchain.
The only biometric solution with three layers of authentication.
IEEE 2410 standard-compliant biometric identity authentication system.
Guaranteed privacy for the authentication and online transfer of digital assets.
Leading edge devices built from the ground up, proven proprietary software
The secure mobile communications company founded by industry visionary Hector Hoyos.
Proven professionals and leaders from the security, telecom, government sectors.
World-class security, business and technology experts from across a host of disciplines.
Become a part of our innovative culture pushing edge of mobile communications security.
FIPS is the alternative to credit card payment systems that provides the security and access consumers and merchants need now.
We are witnessing a sea change in the way people transact online. Driven by convenience for end-users and lower cost for merchants, peer-to-peer money transfer apps are rapidly gaining market confidence and mass adoption. Of course, with these advancements come significant security and regulatory challenges. As other payment platforms work to reconcile their technologies and evolving threats, Hoyos is bringing to market a Frictionless Instant Payment System (FIPS). FIPS is built on Hoyos’ Digital Wallet which comes with a first-of-its-kind warranty; assures privacy as no user data is mined; biometrically protects every transaction; holds any digital fiat or crypto currency; is hot/online; and is fully regulatory compliant.
One element of the Hoyos Digital Wallet warranty is the “Hoyos Promise of Security” which provides assurance for a reimbursement of covered wallet losses in the event of a breach resulting from cyber theft or hacking. This “Promise of Security” is supported by Hoyos’ Contractual Liability Insurance product provided by AXA XL*.
Built on a biometrically secured and protected authentication platform, FIPS enables users to exchange wallet funds for real currency, and vice versa, with digitized cash as fiat currency tied into the global banking structure. Simply, now consumers and merchants can transact in real-time, in a hyper secure environment protected by the Hoyos Wallet’s product warranty and its Promise of Security. FIPS can store digital cash in multiple currencies, crypto and biometrically locked ERC-20 crypto tokens.
*AXA XL’s customized contractual liability insurance coverage insures Hoyos Integrity Corporation for defined amounts it may be required to pay out in the event of product failure, with reimbursement definition and process specifics defined in the wallet end-user license agreement.
FIPS changes the very nature of the current consumer/merchant relationship by eliminating the need for credit cards. No more high-interest and fee-heavy burdens for consumers. FIPS levels the playing field for merchants with far lower transaction fees, instant payment, custom pricing, and expanded market reach. The opening of a major, new consumer market as unbankable consumers do not need a credit card or bank account. FIPS is the alternative to credit card payment systems that provides the security and access consumers and merchants need now.