Settlement Rails
Institutional settlement infrastructure that bridges traditional and digital rails. Support T+2 workflows today, enable T+0 settlement tomorrow, and let your institution move at its own pace.
Meet Institutions Where They Are
Traditional settlement infrastructure has served global financial markets for decades. It has reach across every major market, scale that handles trillions in daily volume, and deep integration with the regulatory frameworks institutions depend on. These are powerful capabilities, and any serious infrastructure provider respects them.
But the demands on settlement are changing. Markets are moving toward 24/7 operation. Clients expect instant finality. Programmable money is creating new transaction types that legacy batch systems weren’t designed for. The question isn’t whether to replace traditional settlement. The question is how to extend it.
FractiFi bridges the gap. Our infrastructure supports both traditional settlement workflows and digital settlement rails, enabling institutions to run them in parallel and transition incrementally. No rip-and-replace. No cliff-edge migration. A bridge from where you are to where the market is going.
Traditional Settlement (T+2)
Full support for integration with existing T+2 settlement workflows, traditional clearing systems, and established custodial processes. FractiFi connects to the rails your institution already uses.
Hybrid Settlement
Run traditional and digital settlement side by side. Route transactions to the appropriate rail based on asset type, counterparty readiness, or operational preference. The transition happens on your timeline.
Digital Settlement (T+0)
Atomic delivery-versus-payment in under 3 seconds. 24/7 operation. Programmable settlement logic. The full capability of digital rails, available when your institution is ready.
“The institutions that win aren’t the ones that move fastest. They’re the ones that move with the least disruption. FractiFi is designed for that.”
From T+2 to T+0, At Your Pace
Current Settlement
Proven infrastructure with unmatched global reach and regulatory acceptance.
With FractiFi
Extends existing capabilities with programmable, instant settlement, adopted at your pace.
FractiFi doesn’t ask institutions to choose between traditional and digital settlement. Our infrastructure supports both, enabling a phased transition that respects existing operations, regulatory relationships, and client commitments.
Built for Institutional-Grade Settlement
Traditional Settlement Bridge
Connect to existing T+2 settlement workflows, SWIFT messaging, RTGS systems, and central securities depositories. FractiFi integrates with the infrastructure your institution already operates.
Intelligent Routing
Automatically route transactions to the appropriate settlement rail, traditional or digital, based on asset type, counterparty capability, jurisdiction, or operational rules your institution defines.
Run Both Rails
Operate traditional and digital settlement infrastructure simultaneously. Unified reporting across both. Migrate asset classes individually as readiness allows.
Atomic DvP
Delivery-versus-payment in a single atomic transaction. The asset and the payment move simultaneously, or neither does. Zero counterparty settlement risk.
24/7 Operation
No market hours. No cut-off times. No weekend closures. Settlement runs continuously, just like the markets are starting to demand.
Multi-Asset Settlement
Settle tokenized securities, deposits, stablecoins, and fiat, all on the same rails. One infrastructure for every asset type.
Multi-Currency
Settle in USD, EUR, GBP, and tokenized deposit currencies. Fiat on/off-ramp connectivity built directly into the settlement path.
Compliance-Integrated
Every settlement passes through FractiFi’s compliance engine automatically. KYC/AML, transfer restrictions, and jurisdiction checks, all at settlement speed.
API-First
Full REST and WebSocket APIs for real-time settlement initiation, status tracking, and event streaming. Integrate into any existing system.
How It’s Built
Transaction Intake
Compliance Engine
Settlement Router
Digital (T+0)
Hybrid Bridge
Traditional (T+2)
Unified Audit Trail
Single reporting layer across all settlement rails. Every transaction, compliance decision, and settlement recorded immutably. Exportable for regulatory reporting.
Settlement is integrated with the Compliance Engine at the protocol level, not bolted on.
Drop-In Settlement Infrastructure
FractiFi’s settlement rails integrate with your existing banking, custody, and compliance systems. No rip-and-replace.
// Initiate a settlement with smart routing
const settlement = await fractifi.settlements.create({
from: "treasury_gold_001",
to: "investor_wallet_0x7a3...",
amount: { value: 250000, currency: "USD" },
type: "dvp",
compliance: "auto",
routing: "smart", // "digital" | "traditional" | "smart"
});
// Smart routing selected digital rail for this counterparty
console.log(settlement.rail); // "digital"
console.log(settlement.status); // "settled"
console.log(settlement.duration); // "2.1s"
// For counterparties on traditional rails:
// settlement.rail → "traditional"
// settlement.status → "submitted" (T+2 processing)Ready to Bridge Traditional and Digital Settlement?
Whether you’re starting with T+2 integration or going straight to T+0, we’ll meet you where you are.