Safe Money proposes a biometric payment experience across connected accounts

Sponsored content. Supplied by Safe Money. This is a paid promotional article supplied by the sponsor, rather than independent TECHi reporting. Supplied article by Fernando Lopardo.

At a store checkout, a customer looks toward a biometric sensor, selects a previously connected account, and confirms the purchase. When another currency is involved, the customer reviews the exchange details before approving the payment. Safe Money proposes bringing these steps together in a coordinated experience built around the person making the transaction.

Brazilian entrepreneur and inventor Rodrigo Pedroza, who also created the HCELLVI personal technology concept, developed Safe Money to explore how biometric identification could become part of a broader payment authorization layer connected to existing financial infrastructure. The aim is to make account choice and payment approval feel like one continuous interaction, while keeping financial details private.

Safe Money is at the concept and development stage. The project is seeking investors and strategic partners to help translate its proposed architecture into a working implementation and validate it through testing.

A payment journey built around the customer

The proposed experience begins with iris authentication. A compatible terminal would capture a sample and assess its quality and liveness before matching it against a protected biometric template. If the iris sample does not meet the required criteria, the system could switch to a fingerprint check without restarting the transaction.

That continuity is an important part of the design. A customer who needs to use a different biometric method would remain within the same payment session, with the purchase details carried forward to account selection and final approval.

The approach could be implemented through sensors integrated into compatible terminals, connected equipment, or an authenticated personal device. This flexibility creates several possible integration paths for payment technology partners, although each would require engineering and compatibility testing.

Choosing an account in private

Once authenticated, the customer would see accounts previously authorized for access through financial data-sharing interfaces, including Open Finance. Depending on the connected institution and its available services, the proposed interface could offer debit, credit, or instant transfer options.

A shopper could select an account on a personal device securely paired with the terminal. Alternatively, a terminal could provide a directional display designed to restrict the account view to the customer. In either configuration, the merchant-facing interface would show the transaction amount and status, while account selection would remain private.

The architecture represents accounts through substitute identifiers, or tokens, rather than bank login credentials. It also describes encrypted biometric templates, including an implementation in which transformed templates can be revoked and replaced and raw capture images are discarded after processing.

Reviewing a purchase in another currency

For travelers and customers using accounts in another currency, the proposed workflow adds an exchange review before authorization. The customer would see the original amount, exchange rate, spread, converted amount, and quote validity.

The quote would be linked to the same transaction session as the selected account and purchase details. If it expired before approval, the system would obtain a new quote and show it again. The design therefore makes the conversion reviewed by the customer part of the authorization process itself.

A separate confirmation would complete the interaction. This could take the form of another biometric sample, a gesture, or another user confirmation action. The resulting authorization would be tied to the specific recipient, amount, currency, account, and applicable exchange quote. Checks for altered, expired, or reused authorization data would precede routing to the financial institution.

An integration opportunity for payment partners

Safe Money’s commercial proposition centers on coordinating these functions within an authorization layer that could connect to existing payment services. For terminal manufacturers, that could mean exploring biometric hardware and a private customer interface.

For processors and financial institutions, it could mean evaluating how authentication, account choice, and final consent fit into their transaction flows.

Potential business models include technology licensing and integration partnerships. Their viability would depend on a working implementation, institutional agreements, integration costs, and evidence that customers and merchants can use the system reliably.

The next stage for Safe Money

The next phase would focus on demonstrating the complete experience: biometric enrollment and authentication, private account selection, currency review where applicable, and transaction-specific confirmation. Controlled pilots could then measure usability, biometric reliability, processing time, and security under realistic conditions.

For prospective investors, the immediate opportunity is to support the engineering and validation that would establish whether the concept can become a practical payment product.

Safe Money is inviting discussions with investors, financial institutions, payment processors, and technology partners interested in developing the next stage of the project.

Learn more: Safe Money.