Digital assets connected to the rails you already run
We help banks, processors and payment companies assess and design tokenized deposits, stablecoin settlement and ledger-based use cases that connect to existing card and account rails, with custody, compliance and controls in place.
What our clients are up against
Separating use cases from noise
It can be hard to tell which tokenization and ledger use cases solve a real settlement or liquidity problem for your business.
Connecting to existing rails
New ledgers must reconcile with core banking, card and real-time payment systems rather than run as an isolated island.
Rules still taking shape
Frameworks for stablecoins and digital assets are developing across jurisdictions, and supervisors expect strong controls from the start.
How we cover Blockchain & Digital Assets
Tokenized money and settlement
Design how tokenized value moves, settles and reconciles.
- Tokenized deposits and tokenized payment rails
- Stablecoin settlement and merchant acceptance models
- Smart contracts for conditional settlement and escrow
- Delivery-versus-payment settlement designs for tokenized assets
Ledgers and interbank use cases
Choose a ledger model that fits institutional and regulatory needs.
- Permissioned distributed ledger technology (DLT) platform evaluation
- Interbank settlement, liquidity and cross-border use cases
- Central bank digital currency (CBDC) readiness and pilot integration
- Smart contract design reviews and testing approach
Custody, keys and security
Protect digital assets with the same rigor as payment keys.
- Custody operating models: in-house, sub-custodian or third-party provider
- Key management with hardware security modules (HSMs) and multi-party computation (MPC)
- Wallet architecture, signing policies and approval workflows
- Key ceremony, backup and recovery design
Compliance and integration
Fit digital assets into existing compliance and payment operations.
- Digital asset anti-money laundering (AML) and transaction monitoring
- Financial Action Task Force (FATF) Travel Rule data exchange
- Integration with card networks, core banking and ISO 20022 rails
- On-ramp, off-ramp and fiat reconciliation flows
- Regulatory landscape briefings for technology and operations teams
Ways to work with us
Program advisory
Use case assessment and business case support that helps your leadership decide where digital assets fit, and where they don't.
Architecture review
An independent review of a proposed or existing ledger, custody or stablecoin design against your security, compliance and integration requirements.
Vendor selection
A structured evaluation of ledger, custody and stablecoin infrastructure providers, matched to your requirements rather than a product roadmap.
Build your team's capability
These proposed modules would introduce digital assets to payment, risk and technology teams, delivered as a standalone program or tailored to your use cases.
Request informationModules (some proposed)
- Digital Assets and Tokenized Money for Payment Professionals
- Stablecoin Settlement and Acceptance Architecture
- Smart Contracts for Settlement and Escrow
- Permissioned DLT and Interbank Use Cases
- Digital Asset Custody and Key Management
- Digital Asset AML and the Travel Rule
Services, case studies and tools
Is a tokenized deposit the same as a stablecoin?
No. A tokenized deposit is a bank deposit recorded on a ledger; it remains a liability of the issuing bank under existing deposit rules. A stablecoin is usually issued by a dedicated issuer and backed by a pool of reserve assets. The difference affects regulation, risk and settlement design, so we assess both against your use case.
How does this relate to card tokenization?
They solve different problems. Card tokenization replaces a card number with a surrogate value to protect it in wallets and online checkouts. Asset tokenization represents money or other assets on a ledger so they can move and settle programmatically. Many institutions will run both, and we design them to work side by side.
Can digital assets work with our existing payment rails?
Yes, and that is usually the most practical path. We design the bridges between ledgers and your core banking, card and ISO 20022 systems, including funding, redemption, reconciliation and reporting, so digital assets become another settlement option your operations teams already understand.
Do you provide legal or regulatory advice?
No. We provide technical and operational expertise and keep your teams informed about frameworks such as the EU's Markets in Crypto-Assets Regulation (MiCA) and US stablecoin legislation. We work alongside your legal and compliance advisors, who determine how those rules apply to your business.
Explore digital assets with a clear plan
Talk to a senior consultant about where tokenized money fits your roadmap.