Layer 2 — Banking operating system
One core for fiat and digital asset operations
The banking operating system for licensed institutions: accounts, treasury, custody, and trading, with KYC, transaction monitoring, and AML checks built into each service.
Layer 2 sits on the banking blockchain and carries day-to-day operations. It runs alongside your existing core banking system: the functions you need are mirrored step by step, and you replace legacy components at your own pace, or not at all.
2.1 — On-chain digital core banking
Core banking that runs beside your core, not instead of it
The digital core operating system is built into the permissioned banking blockchain. Above it sits the digital asset layer for your clients; beneath it, a shared back office. It mirrors the accounts and functions you choose from your existing core, and is designed so that both systems show the same position.
What it gives you:
- No rip-and-replace: your current core stays in service
- Fiat and digital assets in one account view
- A phased migration path you control
2.2 — Treasury management
Run digital assets like any other treasury position
The treasury system is built for digital assets from the start: non-custodial and self-custodial wallets, staking, baskets, lending, and futures, with tax management and full reporting. Role-based approvals and policy enforcement apply to every action. Multi-chain complexity is handled behind one interface.
What it gives you:
- Assets that remain under your own key control
- Role-based approvals for every treasury action
- Audit trails and reports your finance team can use as they are
2.3 — Custody infrastructure
Segregate every client under one master account
Hierarchical account structures let you open a segregated sub-custody account for each client from a single master layer, without a fixed limit on accounts. Wallets are separated into hot, warm, and cold tiers. Every transfer passes a policy check by asset, amount, counterparty score, and compliance result before it is signed.
What it gives you:
- Custody you can offer to your own clients under your brand and license
- Clear separation of client assets
- Approval policies that match your risk framework
2.4 — Exchange and trading
A complete trading stack, connected to your accounts
Each trading pair has its own matching service and order book, designed so that load on one market does not slow another. A central engine validates and executes orders; margin and risk management, order management, and the back office are part of the same system. The technology supports spot, margin, and futures trading for digital assets and tokenized securities. Operating a trading venue, and offering margin or futures trading, requires the operator's own authorization.
What it gives you:
- Trading technology for your clients without building a venue from scratch
- Real-time exposure control across margin and futures
- KYC, transaction monitoring, and AML checks inside the order flow
2.5 — Prime brokerage
One connection to several sources of liquidity
Technology for digital asset prime brokerage: over-the-counter (OTC) trading, direct market access, and client direct trading. Orders are routed across liquidity providers and market makers. The service itself is offered by the licensed institution that operates the platform.
What it gives you:
- Execution, financing, and custody workflows in one system
- Access to several liquidity sources through one connection
- Reporting that fits your existing brokerage oversight
2.6 — Fund administration
Administer a tokenized fund on one platform
The platform supports fund accounting, investor onboarding with KYC and AML checks, capital calls and distributions, and management company accounting. For digital asset funds it adds reconciliation against trading venues and on-chain transactions, and workflows for FATCA and CRS reporting.
What it gives you:
- A shareholder register that is current, not updated overnight
- Support for preparing year-end statements under GAAP or IFRS, with a full audit trail
- Whitelisted peer-to-peer transfers between investors, where the fund's terms allow
Take one service, or the whole operating system
Custody only, trading only, treasury only, or the full stack — each with tiered access controls and ring-fencing per jurisdiction.