
Australian Payments Plus
Australian Payments Plus (AP+) is the national organization responsible for Australia's core payment infrastructure. It was formed by the merger of three key entities: BPAY Group, the operator of the ubiquitous BPAY bill payment service; eftpos, the national debit card system for point-of-sale transactions; and NPP Australia, which runs the New Payments Platform (NPP). In its infrastructure capacity, AP+ processes over 7.5 billion transactions annually and is central to the daily economic activity of the country.
AP+ is also an active researcher organization that is constantly exploring the capabilities of distributed ledger technology and a member of the Hedera Council.
The relationship with Hedera provides AP+ with a framework for developing and testing new solutions that could one day integrate with or enhance its established portfolio of payment services. This involvement complements its research into other future-focused technologies, including its participation in the Reserve Bank of Australia's CBDC pilot program.
Project Information
Related Projects

MetaStable is a decentralized finance (DeFi) platform that aims to provide a secure, private, and compliant environment for trading synthetic assets. The company is focused on leveraging advanced cryptographic techniques to solve some of the key challenges in the DeFi space, such as high slippage, impermanent loss, and regulatory uncertainty.
The core of MetaStable's service is its Automated Market Maker (AMM), which is designed to facilitate the trading of synthetic assets with minimal price impact. A key feature of the platform is its use of Zero-Knowledge Proofs (ZKPs), which allows for the verification of transactions without revealing the underlying data. This provides a high degree of privacy and confidentiality for users. The platform also includes a "DeFi Firewall," a proprietary technology that helps to ensure regulatory compliance by preventing illicit funds from entering the ecosystem.
MetaStable’s "chain-agnostic" design and support for EVM-compatible DLTs allows it be interoperable with various networks including the Hedera blockchain.

Quarter Homes is a real estate technology company that modernizes vacation home ownership through a fractional, co-ownership model. It aims to make owning a second home more accessible and affordable by allowing up to four parties to collectively purchase and own a property. Quarter Homes manages the entire lifecycle of the property, including all legal, financial, and property management complexities, to provide a seamless, hassle-free experience.
The company’s innovative model incorporates the Hedera blockchain network, which underpins its operational framework. For each property, a unique LLC is established, and the legal ownership interest is divided into fractions represented as non-fungible tokens (NFTs) on the Hedera Token Service (HTS). This provides each owner with a verifiable, digital proof of ownership.
Quarter Homes leverages the Hedera Consensus Service (HCS) to create a transparent and immutable log of all activities associated with the property. This includes governance, maintenance activities and scheduling, ensuring all parties have a trusted and shared view of the property's status and history.

Flutterwave is a U.S.-based, Africa-focused fintech company founded in 2016. Its mission is to build a modern payment infrastructure to connect Africa to the global economy, simplifying commerce for businesses of all sizes across the continent and other emerging markets. The company provides a unified platform that allows merchants to make and accept payments without the complexities of navigating fragmented financial systems.
It offers a comprehensive suite of products and services through a single API. For enterprises and small businesses, this includes payment processing for various methods such as credit cards, mobile money, and bank transfers through its Flutterwave Checkout and Payment Links products. It also provides tools to create online stores (Flutterwave Store), issue invoices, and manage cross-border payouts. For individuals, its Send App facilitates international remittances, allowing users to easily transfer money to and from Africa.
Flutterwave has partnered with Hedera to integrate USDC stablecoin settlements on the Hedera network.

LokkaRoom is a digital sporting event engagement platform designed to revolutionize and enhance fan engagement across the global sports industry. Developed by TMA Sport and built on the Hedera Hashgraph network, it provides a centralized and secure ecosystem where sports organizations, clubs, athletes, sponsors, and fans can connect and interact.
The platform leverages Web3 technologies to offer a range of digital experiences, including event ticketing, exclusive memberships, digital collectible non-fungible tokens (NFTs), merchandise sales, live voting and polling, and access to unique branded content.
LokkaRoom aims to deepen the connection between fans and their sporting heroes by enabling more meaningful and rewarding interactions. For clubs and athletes, it offers new avenues for sustainable revenue generation, brand building, and direct engagement with their supporter base.
It utilizes unique FIAT-backed tokens for in-platform transactions, making the platform secure and accessible for all fans and features partnerships with numerous organizations including the MK Breakers, Manchester Giants, and Derby Trailblazers basketball clubs.
