Secure lines-of-credit across any blockchain
4Mica is a lightweight overlay that enables services to extend cryptographically backed lines of credit across any blockchain, from Bitcoin and Ethereum to Solana and beyond. Acting as a credit layer for instant, low-friction settlements and built on guaranteed fair exchange, 4Mica fixes Web3’s inefficient pre-funded model. In short, 4Mica makes programmable credit accessible to all.




Our journey to revolutionize web3 commerce
Initial proof of concept with basic transaction capabilities and single-chain support
Alpha Release to Ethereum and Solana with credit capabilities for Agents and AVSs
Partnerships with AI platforms, AVSs, and DeFI companies to enhance ecosystem integration
Beta release to Ethereum and Solana and support for retail payments
Achieving compliance with financial regulations and prepare for mainnet launch
Full mainnet launch with multi-chain support, cross-chain credit, and off-ramping to fiat
Leading experts in Cryptography, blockchain, and payment infrastructure

CEO & Co-Founder
Spent a decade solving real problems across banking, AI, and cryptography to build 4Mica

CTO & Co-Founder
Architect of privacy-first, distributed payment systems, now powering trust-minimized commerce

Co-Founder
Cryptography-savant, ex-professor, ex-captain, now leading the instant transaction layer for commerce 2.0
Comprehensive overview of 4Mica’s real-time, non-custodial payment infrastructure.
In-depth technical specifications, API references, and integration guides for developers.
Latest insights, updates, and thought leadership on AVS payments and infrastructure.