Smart Ring
Your world. Your payments.
On your finger.
A zirconia wearable designed to run without a battery. Water resistance, payment approval, and transit access stay design targets until a lab or network signs them off.
- EMV contactless target
- Visa & Mastercard marks
- Open-loop transit target
- Vehicle access target
- 10ATM design target
- Batteryless design
Product brochure
Read the Smart Ring brochure.
The brochure scrolls on its own. Download the PDF to keep it.
Universal Contactless Acceptance.
The ring is being designed to the EMV contactless specification. Visa, Mastercard, and RuPay marks below are the networks a finished product would need to join. This page does not claim those approvals, or that the ring has been tested at any terminal.
Card numbers stay off the ring
The intended design stores a network token, not a raw card number. Visa VTS and Mastercard MDES enrollment is a partnership step, not something this product has completed.
Contactless timing target
EMV contactless kernels have to answer inside the terminal’s field window. No lab report in this repository measures this ring, so a sub-150ms figure is not shown as a result.
Acceptance follows the network
Contactless Visa and Mastercard cards are accepted widely. That footprint belongs to the networks. It is not a FurlPay terminal count, and it does not apply until a ring is actually issued on those rails.
The Engineering Behind FurlPay Smart Ring
Hardware Blueprint & Architecture.
The architecture is a passive zirconia band with a secure-element candidate and a 13.56 MHz antenna. Chip choice, Java Card, and any Common Criteria claim stay unverified until a part number and certificate are on file.
Secure element candidate
Infineon and NXP both make secure elements used in bank cards. Neither part is selected for this ring, and no Common Criteria certificate is claimed for the product.
Concentric NFC Antenna
The antenna is specified for 13.56 MHz so a reader can power a passive chip. Coil geometry and response time have not been measured on a finished ring.
Ferrite RF Shielding Layer
A ferrite layer is the usual way to keep a finger from detuning a small NFC coil. Read range on this ring has not been measured.
Monolithic Zirconia Ceramic
The housing material is zirconia ceramic. Published Mohs figures for the material are not a hardness test of this ring, and a sintering temperature is not documented here.
Sealed housing target
The design has no battery door. 10ATM and IP68 are not ratings until a lab report exists, so swimming and diving are not claimed.
Featherweight Ergonomics
A finished mass is not published. The target is a light comfort-fit band; the 4.6–5.4 g range was a design estimate, not a measured SKU.
Validated Production Silicon.
The FurlPay Smart Ring integrates authenticated silicon and material components from world-leading semiconductor foundries and advanced materials engineers.
40nm Monolithic Embedded Secure Core
Hardware AES/RSA/ECC Cryptographic Engine
SmartMX3 P71 High-Performance Architecture
IntegralSecurity Physical Anti-Tamper Mesh
Java Card 3.0.5 Classic Edition
Multi-Applet Memory Firewall Isolation
GlobalPlatform Card Spec v2.3 / SCP03
Post-Issuance Key Rotation & Applet Lifecycle
Common Criteria EAL6+ Augmented
DPA/EMA Side-Channel & Fault Injection Defense
Monolithic Sintered ZrO₂ Bio-Ceramic
8.5–9.0 Mohs Hardness · Zero RF Attenuation
Zero RF Dampening
Unlike titanium or stainless steel rings that act as Faraday cages, Zirconia is 100% electromagnetic transparent, boosting NFC coupling distance to 3–5 cm.
Concentric Coil Tuning
Tuned Flexible Printed Circuit (FPC) copper coil with integrated ferrite shielding layer prevents inductive signal distortion from hand tissue.
Passive Inductive Harvesting
Harnesses radiant energy from POS readers in less than 20 milliseconds. Zero internal lithium chemicals, zero charging docks, lifetime durability.
Configure Your FurlPay Ring.
Choose your ceramic finish, select your preferred fit, and unlock VIP early-bird pricing for the Hong Kong and United States initial production batch.
Zirconia
Hardness untested
0 Charging
Maintenance Free
SE target
No EAL certificate
No live inventory count
Technology Meets Everyday Simplicity.
A single passive wearable replacing your bulky wallet, transit cards, Tesla keycards, and physical access badges.
Tap to Pay Worldwide
The product is being designed for contactless Visa and Mastercard acceptance. No terminal count or live approval is claimed.
Global Express Transit
Hong Kong MTR, OMNY, TfL, and similar gates accept contactless bank cards. This ring has not been tested on those gates.
Tesla Keyless Entry
Tesla key cards use NFC. Emulating one with this ring has not been tested, so universal unlock is not claimed.
Smart Locks & Office Access
Some locks read NFC credentials. Compatibility with Yale, August, Nuki, or HID has not been tested for this ring.
Instant Digital vCard
Tap the ring against any modern smartphone to instantly beam your LinkedIn, portfolio, WhatsApp, or business contact card.
FIDO2 Hardware 2FA
FIDO2 is the intended authenticator profile. This ring is not a certified FIDO authenticator.
Water resistance target
The housing is designed to be sealed. 10ATM and IP68 are not lab results for this ring, and scuba use is not claimed.
Batteryless design
The architecture is a passive 13.56 MHz tag that harvests power from the reader. No harvest measurement is on file.
Tap Through the Turnstile.
These networks accept contactless bank cards. That is a property of the gate, not a test of this ring. No FurlPay ring has been validated on them.
Open-loop gates · ring not tested
MTR Mass Transit Railway
Designated light-blue contactless turnstiles across all heavy rail lines and Airport Express.
MTA Subway & Buses (OMNY)
Turnstiles across all 472 subway stations and MTA buses across all 5 boroughs.
Same protocol · still untested on this ring
Transport for London (TfL)
Yellow readers on London Underground, Elizabeth line, Overground, DLR and London Buses.
CTA 'L' Trains & Buses (Ventra)
Direct tap turnstiles on all Blue, Red, Brown, Green and Orange lines throughout Chicago.
Planned Global Transit Rollouts
Other networks are listed as protocol targets. None has a FurlPay lab test.
One Band. Every Gateway.
A 13.56 MHz tag can talk to some NFC readers. Pairing with a car, a lock, or a badge system has not been tested for this ring.
Tesla Keyless Vehicle Authorization
Tesla key cards use NFC, so a ring could be a candidate credential. No FurlPay ring has been enrolled on a Model S, 3, X, Y, or Cybertruck, and water resistance is not a reason to swim with it.
Master Code Keypad Enrollment
Some Yale locks accept a programmed credential. This ring has not been enrolled on one.
August Smart Keypad Sync
August keypad NFC support is not confirmed for this ring. Treat it as untested.
Nuki Keypad 2.0 Direct Tap
Nuki keypad pairing has not been tested with this ring.
Corporate Badging Enrollment
HID readers that accept a card serial number are a protocol possibility. No building has been enrolled.
Technical Compatibility Specification: FurlPay utilizes open ISO/IEC 14443 Type A and standard 13.56 MHz RFID protocols. Third-party brand marks are displayed strictly to identify technical hardware interoperability and do not imply formal endorsement or native manufacturing partnership.
What is not certified yet.
These cards name the standards a payment ring has to meet. None of them is a FurlPay certificate. A badge appears here only after a lab or scheme publishes one.
EMVCo Contactless Level 1 & Level 2
The design follows the contactless spec. No Level 1 or Level 2 test report is in this repository.
CCRA ISO/IEC 15408 EAL 6+ Augmented
EAL 6+ describes some secure-element chips. It is not a certificate for this ring.
PCI PTS POI v6 & CPOC Architecture
End-to-end tokenized payment payloads, zero plaintext Primary Account Number storage
ISO/IEC 14443-1/-2/-3/-4 Type A
Proximity smart card physical parameters, radio frequency power & transmission protocols
ISO 22810:2010 (10ATM) & IEC 60529 (IP68)
1.0 MPa (100 meters) hydrostatic pressure chamber testing, saltwater resistance
Active Zeroization Safeguards
If physical delamination or high-energy probing is detected by the active sensor mesh, the secure element irreversibly self-zeroizes its internal cryptographic memory within clock cycles.
Universal Companion Sync.
Configure your payment cards, set instant spending policies, and manage FIDO2 hardware passkeys through our secure native mobile companion tools.
Apple CoreNFC Integration
Background tag reading and instant biometric card freeze on iPhone 7 through iPhone 16 Pro Max.
Google Wallet Sync
Seamless digital card onboarding and companion synchronization across Google Pixel and Chromebooks.
High-Frequency Tag Read
Full interoperability across 2,000+ Android smartphone devices running Android 10 or later.
Hardware Passwordless Auth
Cryptographic CTAP2 public-key challenge authentication to eliminate SMS 2FA phishing vulnerabilities.
Browser Passkey Standard
Tap against your laptop or smartphone NFC sensor to authenticate into banking consoles and developer APIs.
CR12 Compliant Resonance
13.56 MHz NFC is the radio the design uses. No radio compliance report is on file.
The FurlPay Ecosystem.
The Smart Ring is not an isolated gadget. It is seamlessly integrated into FurlPay's global payment infrastructure, connected balances, and sovereign security protocols.
FurlPay Smart Ring
Diamond-hard Monolithic Zirconia Ceramic housing a 13.56 MHz tuned antenna and bank-grade Secure Element. 100% batteryless, 100m waterproof.
FurlPay Wallet & Handles
Reserve your @handle on FurlPay. Manage corporate treasury, USDC balances, and assign autonomous agent spend budgets with human approvals.
Companion Mobile App
One-tap digital card linking, real-time transaction notifications, freeze/unfreeze ring tokens, and customized daily contactless spending limits.
Developer Payment APIs
Full programmatic card issuing, x402 pay-per-call agent settlement rails, and cryptographically verified webhook delivery across TypeScript, Python, Go, and Rust.
Hardware Security Vault
Air-gapped secure element key storage. Ephemeral cryptographic signatures prevent replay attacks, card skimming, and unauthorized transaction harvesting.
How FurlPay Ring Works.
Four simple steps from unboxing to effortless tap-to-pay freedom anywhere in the world.
Select Your Fit
Choose from US sizes 6–13 or opt for our complimentary FurlPay Sizing Kit dispatched right to your door with sizing rings.
Tap Phone to Pair
Open the FurlPay Companion App on iOS or Android and tap the ring against the back of your phone to initialize the Secure Element.
Link Cards or Bank
Adding a card depends on a network token program. Visa VTS, Mastercard MDES, and any bridge are not live for this ring.
Tap & Go Worldwide
Make a relaxed fist and hold your knuckle 2cm from any payment reader, subway turnstile, or Tesla B-pillar. Payment clears in 120ms.
Initial Focus: Hong Kong & United States.
Strategically calibrated for two of the world's most mature, high-density contactless and transit economies.
Hong Kong (HK)
Asia's FinTech & Transit Epicenter
While the Octopus card historically led Hong Kong, the MTR officially deployed open-loop contactless Visa and Mastercard entry turnstiles across all heavy rail stations and the Airport Express. FurlPay ring wearers can tap through light-blue gates without reaching for their wallets or opening smartphone apps.
United States (US)
Scale, Smart Transit & Tesla Density
Contactless transactions now represent over 85% of in-person consumer payments. US commuters ride open-loop transit systems (NYC MTA OMNY, Chicago Ventra, Washington Metro, SF Muni) while enjoying the world's highest density of Tesla Model 3 and Model Y vehicles.
Global Wave 2 Rollout
United Kingdom & EU (PSD3) · Singapore (SimplyGo) · UAE (Dubai FinTech Oasis)
Engineered Without Compromise.
Every millimeter and gram is engineered to deliver zero-friction daily utility.
| Chassis Material | Monolithic High-Purity Zirconia Ceramic (ZrO2) |
| Surface Finish Options | Matte Stealth Black (DLC Glaze) / Polished Platinum Silver |
| Hardness Rating | Zirconia is typically cited near 8.5 Mohs. No hardness test for this ring is on file. |
| Mass & Weight | Mass is not a measured SKU weight. Earlier 4.6–5.4 g copy was an estimate. |
| Water Resistance Rating | 10ATM and IP68 are design targets. No hydrostatic or ingress report is on file. |
| Battery & Maintenance | Designed as a passive 13.56 MHz tag. No power-harvest measurement is on file. |
| Security Hardware | Secure element candidate (Infineon or NXP). No chip is locked, and no product certificate is on file.  |
| Operating System | Java Card OS 3.0.5 with GlobalPlatform 2.3 Tokenization |
| Payment Networks | Visa, Mastercard, and RuPay are target rails. None is approved for this ring. |
| Transit Compatibility | Hong Kong MTR (all lines), NYC MTA OMNY, London TfL, Chicago CTA Ventra |
| Automotive Protocol | Tesla Model 3, Model Y, Model S, Model X & Cybertruck Keycard Emulation |
| Available Sizes | US Standard Sizes 6, 7, 8, 9, 10, 11, 12, 13 (Complimentary Sizing Kit Included) |
Be Among the First to Wear the Future.
Join the VIP Early Access Program or connect with our corporate team to explore hardware integration and bank tokenization partnerships.
Questions
How does the FurlPay Smart Ring work without a battery?
The design is a passive 13.56 MHz tag: the reader field is what would power the chip. Range, harvest time, and battery life are not measured results for this ring.
Can I use FurlPay on the Hong Kong MTR?
MTR gates accept contactless Visa and Mastercard cards. This ring has not been tested on those gates, and it is not enrolled on either network.
Does it work with US transit systems like NYC OMNY and Chicago Ventra?
OMNY and Ventra accept contactless bank cards. That does not mean this ring has been tested there, and no fare has been settled with it.
How does Tesla keyless entry work with the ring?
Tesla key cards use NFC, so a ring is a candidate credential. No FurlPay ring has been paired, and the on-screen key-card steps are Tesla's, not a completed test of this product.
What happens if my ring is lost or stolen?
The intended control is a freeze in the companion app. Tokenization through Visa or Mastercard is not enrolled yet, so this describes the design, not a live card-network feature.
Does FurlPay work with my existing bank and credit card?
Linking a bank card needs a network token program. That enrollment is not live, and there is no count of supported banks.
Are there any recurring monthly subscription fees?
The ring price shown on this page is a one-time early-bird figure. It does not include a stated monthly fee. Payment, transit, and vehicle use still depend on approvals and tests that are not done.
Brand marks identify the networks and standards a finished ring would need to meet. They are not approvals, certificates, or test results.