For banks and financial institutions
Issue and operate tokenized deposits
on your own balance sheet.
Give customers settlement in seconds, around the clock.
The deposit and the relationship stay with you.
Start with a deposit you already hold.
Your bank issues a token that represents it 1:1.
The deposit never leaves your balance sheet.
A deposit you already hold is locked, and a token issued against it on a blockchain. From there the token can move and settle in seconds, around the clock, carrying its own compliance rules with it.
When the token is redeemed, the deposit unlocks. The customer stays yours throughout.
The token is a faster way to move the claim, not a new place to keep the money.
Settles against
Settlement
Tokenized deposits vs. stablecoins.
A tokenized deposit is the bank's own money.
A stablecoin is an outside issuer's token.
What your bank can do with them.
Around-the-clock payments
Domestic and cross-border payments that settle in seconds, 24/7, instead of in batches during business hours.
The money leg for tokenized assets
Tokenized securities and funds settle atomically against your deposits, delivery versus payment, with no settlement gap.
Programmable payments
Payments that execute on conditions: escrow, trade settlement, and automated treasury flows, carried out by the rules in the token.
Liquidity management
Move liquidity across entities, currencies, and time zones without waiting for settlement windows to open.
A new revenue line on the
deposits you already hold.
A new revenue stream
Fees on every issuance, settlement, and redemption. The deposits you already hold become a new line of business.
A reason balances stay
Settlement in seconds, around the clock, is a capability customers increasingly expect, and a reason to keep deposits with you.
You keep what matters
The deposit stays on your balance sheet, the customer stays yours, and you stay inside your regulatory perimeter.
What FractiFi delivers. The on-chain coordination layer, built around your bank.
On-chain representation
Every token corresponds to a real deposit locked at your bank, matched one-to-one and enforced by the protocol rather than promised by an issuer.
Issuance and redemption
The full token lifecycle: tokens are created when deposits lock and retired when they unlock, deterministically, so supply and deposits never drift apart.
Atomic settlement
Both legs of a trade change hands together, in seconds: atomic delivery versus payment. The whole transaction completes or none of it does.
Embedded compliance
KYC, sanctions, and jurisdiction rules travel with the token and are checked before any transaction can settle, not bolted on afterward.
Continuous reconciliation
The bank ledger and the on-chain record are kept in continuous lockstep, with the reserve position verifiable at any time.
Built around your bank
Integration shaped to your size, systems, and jurisdiction. Configured for each bank, not a generic product you switch on.
FractiFi never touches your money. Your bank holds the deposit start to finish.
You don't have to take our word for it.
Every token is matched by a deposit locked at your bank, and FractiFi holds no right to move, lend, or withdraw it. Tokens are issued only against a newly locked deposit and destroyed when it is released, with continuous reconciliation and proof-of-reserve keeping the token supply equal to the locked deposits at all times. The guarantee is enforced by the protocol, not promised by us.
Your cash moves exactly as it does today.
FractiFi coordinates only the on-chain token leg. The cash leg of any transaction still settles bank to bank on the rails you run today. Your settlement systems, your correspondents, and your processes do not change; the token layer sits alongside them, not in front of them.
You keep the customer and the balance sheet.
The deposit stays on your balance sheet, inside your regulatory perimeter, and the customer stays yours. FractiFi is infrastructure your bank operates, not an intermediary that steps between you and your client. It adds a capability and a revenue line; it never takes a position in the relationship.
Even if FractiFi went away, your deposits are untouched.
Because the money never leaves your balance sheet, nothing about your customers' funds depends on FractiFi continuing to exist. We are not a place your deposits are ever held, so there is no scenario in which our status puts them at risk.
Tokenized deposits are already
live across banks of all sizes.
Largest banks
JPMorgan runs a bank-issued USD deposit token (Kinexys / JPMD), live on public networks.
HSBC piloted its Tokenised Deposit Service settling atomically on a public blockchain.
Citi operates Citi Token Services for 24/7 multi-currency tokenized deposits.
Regional & mid-tier banks
A network of five US regional banks (KeyBank, Huntington, First Horizon, M&T, Old National) is piloting a shared tokenized deposit network.
The Texas Bankers Association is opening structured access to tokenized deposits for community and regional banks.
Central banks
Bank of England names tokenised deposits in its design for a multi-money settlement system.
BIS Project Agorá brings seven central banks and around 40 institutions to join tokenized deposits with tokenized central bank money.
HKMA Ensemble has banks using tokenized deposits for money market fund transactions.
MAS Project Guardian runs industry work on tokenized bank liabilities for FX settlement.
Regulators
The FDIC has signaled that insured banks can pursue tokenized deposits within existing rules.
The GENIUS Act sets a US federal framework for regulated digital money.
How implementation works.
Test and validate without real capital.
- 01
A short call
How tokenized deposits would work for a bank like yours: your systems, your jurisdiction, your customers.
No commitment - 02
A testnet pilot
A working demonstration built around your bank. No real money, no customer funds, no production integration, no changes to your core systems.
No real money - 03
Evaluate on your terms
Test it with your own team. The pilot is the evaluation: you verify by testing, not by trusting.
Verify by testing
Common questions.
Is a tokenized deposit a stablecoin?
No. A stablecoin is issued by a third party against reserves it manages. A tokenized deposit is issued by the bank itself against a deposit locked on its own balance sheet, with the one-to-one backing enforced at the protocol level rather than promised by an issuer.
Does the money ever leave our balance sheet?
No. The deposit stays on your balance sheet the entire time the token exists. Any cash that moves between banks settles on the rails you already use. FractiFi coordinates the on-chain record; it does not hold or move money.
Do we need to commit real funds to try it?
No. The first step is a pilot on a test network with no real money, no customer funds, and no production integration. You see the full lifecycle working before anything is committed.
How does this integrate with our core banking system?
Integration is shaped around your bank: its size, systems, and jurisdiction. There are several integration models, and the pilot is where we determine which fits yours. The pilot itself requires no changes to your core systems.
Who handles KYC and compliance?
Compliance is enforced at the protocol level. Every wallet is tied to a verified identity, and KYC, sanctions, and jurisdiction rules are checked before any transaction can settle. Your bank's compliance requirements are configured into the system, not handled as an after-the-fact process.
Is this permitted by regulators?
Treatment varies by jurisdiction, but the direction is clear. The FDIC has signaled that insured banks can pursue tokenized deposits within existing frameworks, and the Bank of England names tokenised deposits as part of its future settlement system. The deposit never leaves your regulatory perimeter.
What does FractiFi operate, and what stays with the bank?
The bank holds the deposit, owns the customer relationship, and settles cash on its existing rails. FractiFi provides the on-chain layer: representation, issuance and redemption, atomic settlement, compliance enforcement, and reconciliation.
What does a pilot cost in time and effort?
The pilot runs on a test network and needs no production integration, so the load on your team is limited to working sessions with us to shape the scenarios around your bank. Scope and timeline are agreed up front on the first call.
See it working
for your bank.
A short call with our team, focused on how this would work for a bank like yours.