Commercial Bank Stable Coins
The Future of Money is Programmable. Lead It with a Bank-Issued Digital Currency.
We empower commercial banks worldwide to issue their own private, regulator-compliant stablecoin. This is a fully-backed, 1:1 digital representation of a fiat currency (e.g., USD, EUR, JPY), enabling 24/7 instant settlements, programmable payments, and innovative new financial products within your secure, "walled-garden" ecosystem.
The Inevitable Shift: Beyond Traditional Settlement
The global financial system is on the verge of a major evolution. Central banks are exploring CBDCs, and assets are being tokenized. For commercial banks, this presents a unique opportunity to lead this transformation by modernizing how institutional value is exchanged.
Existing payment rails, while robust, have inherent limitations in the 24/7 global economy:
Settlement Latency
Large-value B2B and inter-bank settlements are often restricted to banking hours and face delays, trapping liquidity and increasing counterparty risk.
Lack of Programmability
Traditional money cannot have business logic embedded within it. This prevents the automation of complex workflows in trade finance, capital markets, and supply chain.
Operational Overheads
Complex, manual reconciliation processes are required for high-volume corporate and treasury transactions.
The Solution is Clear
Staying ahead means building the rails for the next generation of finance.
Our Solution: A Private, Bank-Minted Digital Currency
We provide a comprehensive platform for your bank to mint, manage, and settle transactions using your own Tokenized Fiat Currency. This is not a public cryptocurrency; it is a private stablecoin that operates exclusively within a permissioned network controlled by you and your trusted institutional partners.
How it works:
Fully Backed
For every one digital currency unit minted (e.g., Digital USD), one corresponding unit of fiat currency is held in a segregated reserve account at your bank, ensuring a constant 1:1 value peg.
Private Blockchain
All transactions are recorded on a private, permissioned Distributed Ledger (DLT), ensuring that only authorized and KYC-approved participants can join the network.
Smart Contracts
We enable "programmable money" by building smart contracts that can automate complex payment logic, multi-signature approvals, and atomic settlements.
This solution gives you the benefits of blockchain technology—speed, transparency, and automation—within a secure and regulator-friendly framework.
Conceptual Flow: The Lifecycle of a Digital Currency
Digital Currency Lifecycle
Mint → Transfer → Redeem
This diagram illustrates the simple, secure, and fully-backed lifecycle of minting, transferring, and redeeming your bank-issued stablecoin.
Conceptual Flow: Automated Trade Finance
Automated Trade Finance Flow
Smart Contracts → Escrow → Settlement
Here is a logical diagram illustrating a more complex transaction for an automated trade finance escrow using the bank-issued stablecoin and smart contracts.
Key Global Use Cases for Your Bank
24/7/365 B2B & Inter-Bank Settlement
Allow your corporate clients to settle high-value transactions instantly and irrevocably, across time zones, without settlement risk.
Programmable Payments & Smart Escrow
Automate complex payment waterfalls in global trade finance, dividend distributions, or M&A transactions.
Optimized Global Treasury Management
Enable multinational corporate clients to manage liquidity across their global subsidiaries with instant, internal fund transfers.
Tokenized Securities Settlement (T+0)
Provide the payment leg for the atomic, real-time settlement of tokenized assets like bonds and equities.
Streamlined Cross-Border Payments
Create secure payment corridors with partner banks to reduce the cost and friction of international remittances and trade payments.
Technical Architecture & Core Technology Stack
Our platform is built on an enterprise-grade, multi-layer architecture that separates the core blockchain logic from the application and integration layers, ensuring maximum security and flexibility.
Core Technology Stack
| Component | Our Recommended Technology | Purpose |
|---|---|---|
| Permissioned DLT | Hyperledger Fabric or Besu | Enterprise-grade private blockchains that ensure privacy and control. |
| Smart Contracts | Go (Chaincode), Java/Kotlin (CorDapps) | Encodes the business logic for programmable money on the ledger. |
| Application Layer | Java (Spring Boot), Go | Microservices for minting, burning, identity, and API access. |
| Integration Layer | REST/gRPC APIs, Message Queues | Securely connects the DLT to your Core Banking System and other services. |
| Security | HSM for Keys, IAM, WAF | End-to-end security from hardware key storage to access control. |
| Compliance | Chainalysis/Elliptic (AML Integration) | Integrates with leading AML/CFT tools to monitor on-chain activity. |
Possible Solutions
Explore various implementation approaches for your bank-issued digital currency platform
Pilot Implementation
Start with a controlled pilot program to test core functionality with select partners.
- • Limited participant network
- • Basic minting and transfer functions
- • Regulatory sandbox compliance
Full Production Platform
Complete enterprise-grade platform with all features and integrations.
- • Full participant onboarding
- • Advanced smart contract features
- • Complete compliance suite
Hybrid Approach
Gradual rollout combining pilot testing with phased production deployment.
- • Phased participant expansion
- • Incremental feature releases
- • Risk-managed scaling
Why Partner With Us?
We bring a unique combination of deep expertise in global banking regulations and cutting-edge Distributed Ledger Technology. We don't just provide software; we provide a strategic partnership to help you navigate the future of finance securely and compliantly across diverse international markets.
Regulatory Expertise
Deep understanding of global banking regulations and compliance requirements
Global Technology
Cutting-edge blockchain and DLT solutions proven worldwide
End-to-End Support
From strategy and implementation to ongoing maintenance and support
Lead the Future of Finance
The tokenization of money is not a matter of if, but when. Position your institution at the forefront of this evolution.