RootsFi
RootsFi, Inc.
RootsFi is a financial-technology company building payment infrastructure between traditional finance and blockchain, with programmable settlement and sub-second finality. Its offering includes Payments+ (an on-chain payment layer), CIMS (an identity and routing layer using human-readable identifiers instead of wallet addresses), Roots Pay (NFC acceptance for merchants) and Roots App (a consumer card product). It states it operates a non-custodial software protocol, with settlement executed by licensed financial-institution partners rather than by RootsFi itself.
Data & conditions
| Service type | Card issuing / BaaS |
|---|---|
| Pricing model | Not disclosed |
| Custody model | non-custodial |
| Customer type | Fintech, Enterprise, Platforms |
| Fund custody | Self-custody (funds in your control) |
| Supported countries | US, EEA |
| Segment | B2B |
| MiCA / License status | Not disclosed |
Strengths
- Non-custodial software protocol: settlement runs through licensed financial-institution partners.
- Broad stack (on-chain payments, CIMS identity/routing, NFC acceptance, consumer card) with stated sub-second finality.
- Self-custody: funds stay in your wallet — the platform cannot touch them.
Weaknesses
- Early-stage company: funding, licensing and track-record data not published.
- B2B infrastructure: features are meant for fintechs and platforms, not for the end consumer.
- No notable sovereignty drawback documented.
Verdict
Score 3.0/5, average profile. In its favour: non-custodial software protocol: settlement runs through licensed financial-institution partners. The trade-off to weigh: early-stage company: funding, licensing and track-record data not published.
On the Sovereignty lens the score is 5.0/5 (outstanding): the strength is fund control (5.0/5).
Promp's editorial rating based on real fees and net annual cost. Promp reviews third-party products independently.
"Sovereignty" rating: score computed on privacy/anonymity (30%), fund control (20%), censorship resistance (20%), trustless/auditability (20%) and costs (10%). Same data, different weights.
FAQ
Is RootsFi a bank or does it custody funds?
No. RootsFi states it is a fintech company, not a bank or a money transmitter, and operates a non-custodial software protocol: settlement occurs through regulated, licensed financial-institution partners.
Can an individual use RootsFi?
The infrastructure targets fintechs and platforms. There is a consumer card product (Roots App), but the core offering is B2B.
Sources
- Official service page CIMS Data verified on Jul 17, 2026