The U.S. penny is gone. Production ceased November 12, 2025. Eighteen states have now enacted cash rounding statutes, each with different methodology, tax treatment, and EBT handling. A rounding configuration compliant in one state can create liability in another.

Centsless is the compliance infrastructure layer for jurisdiction-aware payment rounding. We built the Comprehensive Equitable National Transaction Standard (CENTS), a framework that operationalizes nickel-based rounding with consistency, auditability, and consumer neutrality across every state adopting cash rounding legislation.

This is not a feature you bolt onto your stack. It is transaction infrastructure.

Multi-state retailers, banks, and POS platforms need configurable, audit-ready compliance, not manual policy interpretation at the register. Our platform is live and production-grade:

Jurisdiction-aware rounding engine covering all enacted and pending state legislation across 33,000+ U.S. ZIP codes.

Cryptographic audit trail with tamper-evident per-transaction verification, built to stand up to state auditors and litigators.

Multi-framework compliance aligned to SOC 2, CMMC Level 2, and NIST.

POS Vendor Portal and Merchant Compliance Portal with real-time monitoring.

API-first architecture, 44 endpoints, integrates with any POS, payments gateway, or ERP.

Centsless holds U.S. Provisional Patent App. No. 63/922,987 covering jurisdiction-aware methodology selection, multi-state transaction processing, and cryptographic audit chains.

If your organization operates across state lines and accepts cash, the rules are already in force. Centsless makes them one problem instead of eighteen.

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