About Us

James Biorge the founder of SAYVES has been at the forefront of the payment industry since 1986 assisting the founder of the Discover Card concept. This enabled the introduction to Al Arce the first CTO at MasterCard, Einar Asbo the head of R&D at VISA and Jerome (Jerry) Svigals the co-founder of the magnetic stripe technology at IBM who became to co-inventor with James on his first patent. These three educated James and helped him participate in the development of the chip technology used today. Walmart challenged James to come up with a faster interface directly to the POS systems while maintaining security in 2000. This led to the development of Vanishing Encryption Security (VES), based on the awareness that no data is more secure than the best encryption and tokenization programs.

Chrono Engineering joined with James, as the role of SAYVES CTO, in 2016 contributing to and developed VES, Net Processing, and Loyalty APIs all backed with Blockchain. All this new technology has resulted in a more practical, and affordable, way to disrupt the entire money and payment industry. The goal, set out by SAYVES, was keeping your personal and account data locked securely in the bank data vault while creating a simple user interface incorporating payments, gift and loyalty, transfer, that would be combined into one seamless transaction. Bryce was not only able to create such a simplified method but one that also simplified the interfacing to all smart phones and barcode scanners, thus alleviating the dependency on the spending of billions of dollars annually for physical cards and payment acceptance devices.

SAYVES with InCashTM is MORE!

  • SAYVES with InCash is more than a mobile wallet that saves merchants 50% of the processing fees they currently pay for credit and debit cards
  • more than merchants saving 10% to 15% for gift cards
  • more than merchants savings $3 billion per year in payment hardware
  • more than 30 million people spared from Identity Theft with losses of $12 billion per year
  • more than saving marketing expenses and leveling the playing field for main street merchants to complement the retail giants of the world
  • more than saving time during check out and providing the convenience of combining your loyalty-gift card-and payment into one seamless transaction
  • more than providing real time access to your money
  • more than the ability to transfer money as quickly and easily as sending a text message
  • more than having an international currency governed only by the free market
  • more than actual money in the bank backing InCash
  • more than combining the merchant savings to turn your $30 into thousands of purchasing dollars each year backed by merchant goods and services
  • THE ULTIMATE VALUE IS IN THE UNITING OF ALL BANKS, CREDIT UNIONS, MERCHANTS AND SERVICE PROVIDERS WITH ALL BANKED AND UNBANKED MEMBERS OF EACH COMMUNITY TOGETHER THROUGH BLOCKCHAIN, AI AND VES TECHNOLOGY TO EMPOWER COMMUNITIES THROUGH SAVINGS TO UNITE AND PROSPER!