The launch coincides with Zerohash's push to strengthen its regulatory position after the OCC returned its national trust bank charter application in July for being materially deficient; a narrower refiling followed on Aug. 18 and remains pending. AUTH lets users pick an account or wallet in participating apps, sign in and approve transfers, with the service handling routing and settlement while each app controls allowed assets and transfer types. Wallet CEO Alex LaPrade called repeated address checks and test payments a major friction point. Founded in 2017 and Chicago-based, Zerohash operates in 51 U.S. jurisdictions; Mastercard acquisition talks collapsed, with a reported $250 million raise discussed at a $1.5 billion valuation.

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