# Stelrix

> Fintech company enabling real-time portfolio-backed spending

**Wikidata**: [Q134008798](https://www.wikidata.org/wiki/Q134008798)  
**Source**: https://4ort.xyz/entity/stelrix

## Summary
Stelrix is a fintech company that enables real-time portfolio-backed spending through a proprietary payment system. Founded by Colin Sahagun, the company provides a platform—often referred to as a software engine or application—that allows users to utilize investment portfolios as collateral for transactions. It operates under the corporate entity CS Capital Technologies, Inc.

## Key Facts
- **Founder:** Colin Sahagun
- **Industry:** Fintech
- **Core Technology:** Dynamic Collateralized Payment System Process
- **Corporate Entity:** CS Capital Technologies, Inc.
- **Aliases:** CS Capital, Stelrix Card, Capital Card, The Stelrix Card
- **Product Type:** Payment card, payment system, web service, and software application
- **Primary Function:** Enables direct real-time collateralized spending backed by a portfolio
- **LinkedIn ID:** cscapitalcard

## FAQs
### Q: What is Stelrix?
A: Stelrix is a fintech company and payment system that allows users to spend money backed by their investment portfolios in real-time. It operates as a software application and payment card service.

### Q: Who created Stelrix?
A: Stelrix was created by Colin Sahagun. He is credited as the discoverer and inventor of the underlying system.

### Q: How does the Stelrix system work?
A: The system utilizes a proprietary protocol known as the "Dynamic Collateralized Payment System Process." This infrastructure enables direct, real-time collateralized spending without requiring the user to liquidate assets first.

### Q: Is Stelrix known by any other names?
A: Yes, the entity is also known as CS Capital Technologies, Inc., CS Capital, Capital Card, and The Stelrix Card.

## Why It Matters
Stelrix represents a significant evolution in financial technology by bridging the gap between investment holding and liquid spending. Traditional financial systems often force users to liquidate assets—triggering taxable events or losing market exposure—to access cash for daily expenses. Stelrix solves this friction through its "Dynamic Collateralized Payment System Process," a proprietary protocol that facilitates real-time portfolio-backed transactions.

By treating investment portfolios as dynamic collateral, Stelrix offers an alternative to traditional credit lines and debit cards linked to cash balances. This capability allows for greater capital efficiency for the user, ensuring that investments remain in the market while simultaneously providing liquidity for goods and services. As a fusion of software, web services, and payment processing, Stelrix exemplifies the trend toward integrated, algorithm-driven financial infrastructure.

## Notable For
- **Portfolio-Backed Spending:** Enabling transactions directly against investment collateral rather than cash or credit.
- **Proprietary Protocol:** Utilizing the "Dynamic Collateralized Payment System Process" as its core software engine.
- **Dual Classification:** Functioning simultaneously as a fintech business, a software application, and a physical payment card.
- **Identity Versatility:** Operating under multiple brand names including CS Capital and Capital Card.

## Body
### Corporate Identity and Structure
Stelrix operates as the primary product and brand of the corporate entity **CS Capital Technologies, Inc.** The company is classified broadly within the **fintech** industry but is specifically categorized as a business, product, and web service. Public records and professional profiles (specifically LinkedIn) identify the organization under the handle `cscapitalcard`.

### Technological Infrastructure
The core innovation of Stelrix is its software engine, formally titled the **Dynamic Collateralized Payment System Process**. This proprietary protocol was created by **Colin Sahagun**. It is classified as a non-tangible executable component and a specific "Thing" within knowledge graphs, distinguishing it from generic financial software. The system is designed to support **real-time collateralized spending**, a process that validates and executes payments backed immediately by the value of a user's portfolio.

### Product Ecosystem
Stelrix manifests as a multi-faceted tool for end-users. It is functionally an **application** and **web service** that interfaces with the financial world via a **payment card**. This card functions as the physical access point to the Stelrix payment system, allowing users to leverage their portfolio value at the point of sale. The system is strictly defined as a payment system and software program designed for end-users.

## References

1. Dynamic Collateralized Payment System Process
2. [Crunchbase](https://www.cscapitalcard.com)
3. [Medium](https://medium.com/@colin_95463/what-comes-after-credit-cards-i-built-it-82bd884d3c75)
4. [Crunchbase](https://www.crunchbase.com/organization/cs-capital-card)
5. [Source](https://www.cscapitalcard.com)