FIX Network enables mobile operators and enterprises with cryptographic signatures (authentication) solution that complies with PSD2 or any advance security regulations. Our solution can act as a cold wallet (e.g. HSM) with powerful decentralized policy management that supports multiple signatures, social trust, time, and location as a condition. The solution supports multiple use cases for verticals such as blockchain, governmental, mobile banking, social networks, saas providers. FIX Network leverages the mobile operator signaling network (OTA) and a cryptography-enabled SIM card which stores private keys to allow signatures in the best and most advanced combination of security and user experience.