The Platform
Granullo controls how money is allowed to be used. Set rules, enforce conditions, check eligibility, and authorize usage — before anything moves.
Define where money can go, who can use it, what categories are allowed, and what limits apply. Rules are bound at creation — they cannot drift or be silently changed.
Attach conditions that must be true before money can move. Milestones, approvals, documentation, geographic constraints — all enforced automatically at the moment of use.
Before any transaction is authorized, the system checks every rule, condition, limit, and timeline. If anything is unmet, the transaction is blocked — not flagged, not warned. Blocked.
When every rule is satisfied, every condition is met, and every limit is respected — the system authorizes the use of money. Not before. Settlement is always external.
How the system controls money for an employee benefits program.
Benefits restricted to approved categories: pharmacy, fitness, mental health. Monthly cap: $2,000 per employee.
Eligibility re-verified each pay cycle. Employment status and policy compliance confirmed.
System checks: merchant is approved, amount within limits, employee is eligible, benefit category matches.
All conditions met — transaction authorized. Employee uses benefits at approved pharmacy.
Granullo controls how money is allowed to be used. Settlement happens externally.
Every program exists in one of these states. The state determines whether money can move.
One or more conditions are unmet. Money cannot move.
Some conditions met, others pending. Money is held.
All conditions satisfied. Money is authorized to move.
Timeline passed. Unused funds follow expiry rules.
Unused funds returned to issuer per program rules.