CoinsExtra

Open Source Bank in development · Global digital trade hub

Building an Open Source Bank, in public.

CoinsExtra is a web-based wallet and global banking concept designed to compete with cash.app, Apple Wallet, and traditional banks—only this time, the ledger, logic, and governance are open source.

View Wallet Demo

Project Status

Current milestone: Working Ledger (alpha)

~30% of Open Source Bank v1 roadmap

Open Source Bank Roadmap

We’re building CoinsExtra as a modular, open source banking stack. Follow the milestones from raw ledger to full-featured, regulated-ready digital bank.

1. Working Ledger (You Are Here)

Core transaction ledger model, double-entry accounting primitives, and basic reconciliation logic defined in the open.

  • Ledger schema drafted
  • Test data + demo balances
  • Public discussion on accounting rules

2. Value Transfers

Move value between accounts with clear audit trails and programmable rules for fees, limits, and compliance hooks.

  • Send / request flows
  • Scheduled and recurring transfers
  • APIs for external integrations

3. Account Logins & Identity

Secure, modern authentication and account management for individuals, teams, and organizations.

  • Email + password and passkeys
  • Role-based access for teams
  • Pluggable KYC / KYB providers

4. Compliance & Risk Layer

Policy engines, limits, and monitoring to make CoinsExtra usable in real-world regulatory environments.

  • Rule-based transaction screening
  • Audit logs and export tools
  • Configurable jurisdiction profiles

5. Open APIs & Ecosystem

Developer-first APIs, SDKs, and documentation so anyone can build on top of the open banking core.

  • REST + Webhook interfaces
  • Sandbox environments
  • Reference apps and templates

6. Launch: CoinsExtra Bank v1

A community-governed, open source banking stack powering wallets, fintech apps, and embedded finance experiences.

  • Governance model and voting
  • Production-grade deployments
  • Partner and community programs

Teasing a new asset: CX₵ (CoinsExtra Credit)

A programmable unit of value designed for rewards, staking, and governance inside the CoinsExtra ecosystem.

What is CX₵?

CX₵ is a planned digital asset for internal rewards, fee discounts, and community incentives. It’s not live yet—but the tokenomics and smart contract specs will be developed in the open.

Intended Uses

  • Staking for governance proposals
  • Rewarding contributors and early adopters
  • Fee rebates and premium features

Open Design

No secret allocations. No mystery vesting. CX₵ will be designed with transparent supply, distribution, and governance rules.

Wallet Demo · CoinsExtra Web Wallet

Explore a concept demo of the CoinsExtra wallet—a unified space for cash, credit, investments, lottery, and gaming rails.

Total Assets + Credit
$14,147.56
Cash: $1,234
Credit: $4,457
Invested: $8,456
CX₵: Design in progress · Governance draft coming soon
Ledger: Alpha schema live · Help review on GitHub
Lottery: Daily CX Draw · Demo only · No real money
E‑commerce: Merchant APIs planned for v2
COINSEXTRA
Unified Wallet
Daily CX Lottery (Demo)
Tonight’s Jackpot
$25,000 CX₵
Demo only · No real money · Just a preview of embedded gaming rails.
Recent Activity
CX Market Buy
Converted $250 → CX₵
- $250.00
Payout · CX Lottery (Demo)
Simulated win · Demo only
+ 500 CX₵

Portfolio Overview

Visualize your mix of cash, credit, CX₵, and other assets. In the real implementation, this will pull from the open ledger and connected exchanges.

Bills & Subscriptions

Manage recurring payments, invoices, and merchant payouts. This will integrate with the value transfer engine and e‑commerce APIs.

Gaming & Embedded Lottery (Concept)

CoinsExtra explores responsible, transparent gaming rails—lottery, raffles, and prediction markets—built directly into the wallet experience, with full on-chain auditability.

  • Configurable odds and transparent house edge
  • On-ledger prize pools and payouts
  • Opt‑in only, with regional compliance controls

Contribute on GitHub

CoinsExtra is being built as an open source banking stack. Engineers, designers, product thinkers, and regulators are all welcome.

View the Backend & Ledger

Explore the ledger models, transaction flows, and service boundaries that power the Open Source Bank.

Go to GitHub Backend

How to Get Involved

  • Open issues for ledger design and APIs
  • Propose CX₵ tokenomics and governance
  • Help design compliance and risk modules

Community & Governance

Long term, CoinsExtra will be governed by its community. Early contributors will help define how proposals, voting, and upgrades work.