We turn almost any device into a customer and merchant payment terminal!

MetaSepia is an emerging Network Effect mobile retail payments company, enabling >2 Billion  Zoom-capable phones and devices AND a few video-chat networks supporting their >850 Million daily video-chats, as an optical payments network in one of our 2 emerging products. We provide device to device mutual authentication and payments with the same protocols as present NFC + EMV, but use the optical channel as the communications interface. We also enable a device to server EMV, or similar protocol, architecture via video-chat windows, both in-session Zoom payments, and embedded Zoom window payments and transactions, by using the common display and selfie-camera hardware.

We provide mutual authentication and an offline receipt to present static QR code payments, and expand EMV and other protocols beyond the NFC device, Operating Systems, and offline data sharing limitations.

This Optical payments network will be the largest global payments network via this collaboration that we enable by using the merchant and customer device displays and cameras to communicate via high-speed sequential colorgrams. We add the security and bilateral communications features of open network mobile NFC payments to custodial network QR-based payments, providing mutual authentication and offline-receipts or data sharing. We support proprietary issuer and brand EMV protocols, as demonstrated on a certified payments test network in December, 2020.

We turn a video-chat network into a payments network. Adoption via a common Zoom, for instance,  network will soon be nearly immediately available, and scalable,to all such devices, rather than the present manufacturer-specific NFC payments such as the 220 Million Apple Payments between Apple devices or merchant NFC terminals. Micro and Small merchants will, in effect, host a short several second Zoom session facilitating mobile payments between the offline customer device and the online payments processors, with mutual authentication and return confirmation and receipting to the merchant and customer.

This may reduce time and cost of merchant network setup, and enables almost any customer and merchant device for payments. This also prevents exposing payment credentials to the merchant, and does not require the customer to be logged into a Zoom session. This process will also mutually authenticate and obtain customer authorization for an offline to online ID verification for payments, or other high security transactions between an offline customer and online merchant.

We demonstrated mobile to mobile GooglePay and Paypass optical payments between offline IOS and online android devices on the Abrantix test network processing an HCE static test token. This phone to phone payment prototype utilized a certified EMV L2 kernel with protocols for mobile NFC, with normal payments services provider processing and transaction authorization for NFC payments.

Company shareholders-developers in MetaSepia and assisting to achieve this extraordinary technology include  Cryptomathic GB, Smart Architects GB and Abrantix CH. This company partnership, utilizing some of their ~100 collective mobile payments and security engineers, will develop and help manage consultants to build this network with our video-chat network and payments processor network partners. Our motivated partnerships have vetted the technology with demonstrated capabilities, a fully-inclusive payments-for-all vision, IP protection, a professional team, an existing opportunity and need, and a path to rapid success!

We’re raising  $2 Mn in seed funding in 2021 for a 12+ month program to advance the prototype to MVP and beta-testing, and are working towards partnering with video-chat optical channel partners and payments processing partners in Q1 2021. The low cost of entry and and  high upside potential qualify this as an exceptional partnership and investment opportunity!

Please view our more technical presentation on this site for more information on this exciting opportunity of introducing payments to the existing video-chat networks and growing the largest scaleable mobile payments network!

Fast encoded bidirectional fully-emissive data colorgrams

The multi-bit always-emissive color beacon technology greatly increases data payloads and signal to noise improvements over static QR codes, and can be located across the displays as patterns, logos or other objects. The beacon’s multiple colors offer multi-bit data depth far exceeding QR packing, and necessary for EMV and authorization data sharing and processing within a very short expected period of time. Our optical codes, unlike static use-once QR codes, sequence at high speed for bilateral communications required for the highly secure EMV protocols. We upgrade QR-type optical payments to mobile NFC+EMV payments standards for almost all devices, and on highly scalable existing video-chat networks.


MetaSepia demonstrated a static profile GooglePay transaction, and a mobile Paypass transaction, on an Abrantix test network with a certified Abrantix EMV L2 kernel in Nov and Dec, 2020, and are now building the network with potential payment processing partners and video-chat network partners, in addition to our device to device EMV protocol products that process payments the same as existing NFC EMV payments. We’ll soon turn on the largest global merchants payments networks!

Kerry Brown, CTO and co-founder:  kbrown@metasepia.com

Seed Round and Partnership Opportunity

Our Team

David Watkins

CEO, CFO, director

Kerry Brown

CTO, cofounder, director

Peter Landrock. PhD

Crypto Security Expert, cofounder, director

Dan Cvrcek, PhD

Advisor, Steganography and analysis

Cryptomathic A/S


Smart Architects UK


Abrantix AG


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