
SAYVES is a payment technology company that developed a secure mobile wallet platform combining payments, gift cards, and loyalty programs into a single seamless transaction. Utilizing patented Vanishing Encryption Security (VES), AI, Blockchain, and Net Processing, SAYVES offers a highly secure and efficient payment ecosystem that reduces processing fees by over 50%, saves merchants billions annually on hardware and marketing, and protects users from identity theft. The platform includes InCash, a digital cash account paying 5% to 20%, and mCash, merchant dollars that reward shoppers. SAYVES targets banks, credit unions, merchants, and consumers, aiming to empower communities through savings and financial independence. The technology integrates with existing POS systems and smart devices, simplifying payment acceptance and loyalty management while enhancing security and convenience.

SAYVES is a payment technology company that developed a secure mobile wallet platform combining payments, gift cards, and loyalty programs into a single seamless transaction. Utilizing patented Vanishing Encryption Security (VES), AI, Blockchain, and Net Processing, SAYVES offers a highly secure and efficient payment ecosystem that reduces processing fees by over 50%, saves merchants billions annually on hardware and marketing, and protects users from identity theft. The platform includes InCash, a digital cash account paying 5% to 20%, and mCash, merchant dollars that reward shoppers. SAYVES targets banks, credit unions, merchants, and consumers, aiming to empower communities through savings and financial independence. The technology integrates with existing POS systems and smart devices, simplifying payment acceptance and loyalty management while enhancing security and convenience.
What: Digital wallet and payments platform using Vanishing Encryption Security (VES) and patented Net Processing.
Core features: mCash (merchant/loyalty & gift value) and InCash (bank-linked digital cash account).
Tech: VES, patented Net Processing, AI, Blockchain, APIs for POS and wearable integration.
Founder: James E. Biorge — Founder & CEO.
Funding: Seed round on 2022-06-13; investor: Newchip Accelerator; amount undisclosed.
Founded / HQ: Founded 2017; Kaysville, Utah, United States.
Payment security, payment processing efficiency, and consolidation of payments/loyalty/gift-card value.
2017
Fintech / Payments
“Newchip Accelerator ”