Layer 1 — Blockchain and orchestration
A blockchain that keeps books, not just balances
A Layer-1 blockchain with core-banking accounting built into the ledger itself.
Layer 1 is the foundation: SBG's permissioned blockchain, built for banks, with identity, asset certification, custody keys, and connections to other chains as part of the same system. Each jurisdiction is designed to run in its own separate environment with its own validators.
1.1 — Permissioned banking blockchain
The ledger is your system of record
The permissioned banking blockchain combines a distributed ledger with the accounting functions of a core banking system. It is designed so that the ledger is the system of record — removing the need for batch reconciliation between separate books. Separate permissioned environments can serve separate functions and jurisdictions and are designed to settle with each other in one atomic transaction. The consensus is designed so that validators can confirm a transaction is correct without seeing balances, amounts, or counterparties, while auditors designated for an asset can be given access to its transaction data.
What it gives you:
- One source of truth instead of ledgers that must be reconciled
- Your own KYC-gated environment per jurisdiction
- Need-to-know privacy without giving up atomic settlement
1.2 — On-chain identity management
Every participant is known before anything moves
KYC, KYB, and AML checks are part of the ledger, not a system beside it. Identities for individuals, organizations, and devices are modelled with decentralized identifiers and verifiable credentials. A client who has been onboarded once can, with consent and where the applicable rules allow, reuse that result across services instead of repeating the process for each product.
What it gives you:
- Accountability: every participant carries proof of who they are
- One onboarding, designed to be reusable across services
- Onboarding workflows that adjust to jurisdiction and client type
1.3 — Digital certified asset system
A token is only as good as its evidence
The digital certified asset system ties each token to verifiable credentials about the real asset: who certified it, what it is, and whether that certificate is still valid. It covers quantifiable assets such as currencies, unique assets such as a building, and structured assets such as a fund with its holdings.
What it gives you:
- A verifiable link between the real asset and its token
- Automated checks at the source, instead of manual document review
- One model for every asset class you want to issue
1.4 — Smart contract and modelling language
Write the rule once. The ledger enforces it.
The modelling language expresses rights and obligations between parties as code: contracts, regulations, and operating procedures. Asset behavior is programmable, and transfer restrictions specific to a jurisdiction are checked by the ledger at the moment of transfer — not afterward by a compliance team.
What it gives you:
- Contract terms and regulatory rules in one executable form
- Transfer restrictions checked per jurisdiction, automatically
- Workflows shaped to your own approval processes
1.5 — Institutional custody platform
Keys that no single party can move alone
Private keys are split by multi-party computation (MPC), and the shares are distributed across separate secure data centers. Signing takes place inside trusted execution environments (TEE) and hardware security modules (HSM). The platform is designed so that no single party — including SBG — can move client assets on its own. Non-custodial and self-custody setups are supported, and third-party custodians can be connected.
What it gives you:
- Assets that stay under your control
- Multi-admin approvals, whitelisting, and a kill switch
- Audit-ready reporting for compliance, finance, and governance
1.6 — Orchestration and oracle platform
One workflow across the chains and systems you use
The orchestration platform runs in your environment and connects the banking blockchain to third-party public and permissioned chains and to your existing core systems. An integrated oracle layer supplies the data, compliance, and privacy checks each step needs. The agentic banking layer uses the same gateway, so AI agents are subject to the same controls.
What it gives you:
- No lock-in to a single blockchain
- Designed for atomic settlement across chains
- Existing core systems stay in place and stay connected
Go deeper with the Technology Framework
The Technology Framework gives an overview of the three-layer architecture. It is available to institutions on request.