BUFI is a financial OS purpose-built for distributed B2B teams. Our drag-and-drop "financial workspaces" let companies create custom payment flows, manage multi-currency treasury (fiat + stablecoins), and run invoicing, corporate cards, and payroll from a single platform — eliminating the fragmentation of juggling Wise, Mercury, crypto wallets, and spreadsheets. Currently in private beta and stealth mode.

Modern businesses struggle with fragmented financial tools, no stablecoin payment support, idle balances earning nothing, and expensive cross-border transactions. Worse, blockchain payments are entirely public — creating operational chaos, high costs, and low enterprise adoption.

BUFI is the first all-in-one financial platform combining banking, stablecoin payments, automatic yields, international payroll, invoicing, and AI-powered management in one customizable interface. With Ghost Mode, you can run your business privately. BUFI stands for Business Finance — cutting-edge widgets powered by blockchain and AI, in an agile platform where businesses, human stakeholders, and AI agents coordinate in a shared, context-aware financial back-office.

What we built for this hackathon:

1. Ghost Mode — Private Compliant Stablecoin Issuance We built from scratch a private, compliant stablecoin (USDCg and eUSDCg - exploring TEEs and FHE with ACE compliance) for confidential business transfers. Leveraging Chainlink ACE, Circle's Compliance Engine at the wallet level, and Persona KYB/KYC, only verified parties — after automated fraud screening and OFAC checks with signed service agreements — can participate. The private token wrapping deposits underlying USDC into a Hashnote USYC vault strategy (24/7 redeemable), generating short-term treasury yield while delivering privacy-as-a-service for business finance.

2. AI Contract Builder + Escrow System Users visually compose agreements with milestones, multiple signers, payment schedules, and dispute resolution — all drag-and-drop with react-flow or ready-made templates. For contracts with payments, an AI escrow system analyzes deliverables (PDFs, files) against contract terms and automatically settles payment upon verified delivery. Funds held in escrow are deposited into a selected DeFi yield strategy, and the generated yield becomes an incentive layer — for example, timely delivery unlocks the yield bonus to the payee. An additional layer of compliance is added by integrating Persona, WorldId, Compliance Engine from Circle and ACE intro private transfer settlement and contract due dilligence step between parties.

3. AI Tribunal — Global Arbitration for All If disputes arise, each workspace gets a set number of reconciliation attempts. If unresolved, each party's workspace AI ingestion knowledge graph (past work, emails, transactions, uploaded documents, platform history, and pipedream connector's to 3000 apps ex Notion, Stripe, Github, etc. ) is used by AI adversary advocates to defend their position before a 5-model tribunal. Three LLMs vote independently with confidence scores and detailed reasoning — making global arbitration accessible to every business, not just multinationals. No lawyers means dramatically lower costs. Verdicts are published as on-chain attestations via our BUAttestation contract, with payments settling automatically at stablecoin speed.