File-Based Digital Assets

Digital representations of regulated money and securities for financial institutions

Supports complex multi-asset multi-party transactions with atomic settlement, for wholesale and retail use cases.

Fixed-value digital bank note, preserves anonymity of cash with pseudonymous analytics for institutions

File-based technology design allows for scalable and secure transactions

Offline transactions and double-spend prevention

Programmable and auditable transactions allowing for pre-validation checks​

Interoperable with existing and emerging financial standards (e.g. ISO 20022, SWIFT, NACHA) and payment networks, including legacy and DLT systems

Addresses pain points for financial institutions and consumers, including:

Supporting Components

Interbank
Platform

Issuance and settlement of file-based digital assets

Analytics for
Institutions

Holistic metrics on money movement

Wallet

Hold, transact, and view file-based digital assets

Digital Identity

Frictionless user verification with privacy-first data sharing