Every dollar, on the record.

In plain terms

Civic-Chain moves a town's money and writes the record in the same motion. When a payment leaves the treasury, it settles with the vendor in seconds, and every detail of the exchange (amount, vendor, date, approval) is logged on a tamper-evident ledger the moment it happens.

Because the payment creates the record, reports are never assembled after the fact. An audit report, a financial report, a FOIA response, a vendor payment record: each is a different pull from the same organized cabinet, current as of today. The legacy alternative leaves the same information scattered across banks, processors, and paper files, where every answer means digging.

Ledger

The tamper-evident log of every transfer. Each payment is written to it the moment it happens, and nothing can be edited or deleted after the fact.

FBO account

FBO stands for "For Benefit Of." The town's money sits in a custodial account held for the town's benefit. Civic-Chain converts it to a regulated digital dollar so vendors are paid in seconds, but the town stays the owner of every dollar. Civic-Chain never holds the funds as its own.

FOIA

The Freedom of Information Act: the law that lets any member of the public request government records. Civic-Chain answers these requests from the same record, instantly.