RWA Tokenization & Stablecoin Settlement
Tokenized assets and stablecoin settlement, owned by your institution
ACM gives banks, credit unions, and treasury teams a regulated-first path to issue real-world assets on-chain and settle value in stablecoins — under your brand, on infrastructure you control.
Digital settlement is moving from pilot to plumbing
Tokenization and stablecoins are no longer experiments at the edge of finance. They are becoming the rails institutions use to move and represent value, and the market is sizing accordingly.
The institutions that win will not be the ones chasing tokens. They will be the ones that wrap tokenization and stablecoin settlement in real compliance, real custody choices, and a brand their members already trust. That is the gap ACM is built to close.
Turn real assets into programmable instruments
Represent loans, deposits, receivables, funds, real estate, and other balance-sheet assets as on-chain tokens — with the controls regulated institutions require built in from the start.
Asset onboarding
Define the asset, its legal wrapper, and its lifecycle once, then issue tokens that map cleanly to the underlying instrument.
Compliance at the token layer
Encode transfer restrictions, eligibility, and disclosure rules into the asset itself, so policy travels with every token.
Custody your way
Choose custodial or non-custodial models per program. Your institution decides who holds keys and how recovery works.
Post-quantum security
Cryptography designed to stay durable as computing advances, protecting long-dated assets across their full lifecycle.
Lifecycle automation
Coupons, redemptions, corporate actions, and reporting run as code, cutting the manual back-office work that legacy stacks demand.
Auditable by design
Every issuance, transfer, and settlement leaves a verifiable record your risk, audit, and examiners can follow.
Settle value in minutes, not days
Use stablecoins as a settlement layer for payments, FX, and tokenized-asset transactions — connected to your core, your treasury, and your ledger rather than bolted on beside them.
- Real-time movement: settle around the clock without waiting on cut-off windows or correspondent batch cycles.
- Multi-currency reach: pair stablecoin settlement with real-time FX across 200+ markets and industry-leading exchange rates.
- Atomic delivery-versus-payment: exchange a tokenized asset and its payment in a single, all-or-nothing step to remove settlement risk.
- Treasury visibility: positions, flows, and liquidity surface in one place so finance teams keep a single source of truth.
- Compliance-ready controls: screening, limits, and reporting hooks built for regulated institutions, not retrofitted around them.
Practical programs, not science projects
These rails earn their place when they solve a concrete problem on your balance sheet or in your operations. A few patterns institutions start with:
Tokenized deposits
Represent deposit balances as tokens that move and settle programmatically while staying inside your compliance perimeter.
Cross-border settlement
Combine stablecoin settlement with multi-currency FX to shorten correspondent chains and the float trapped inside them.
Loan and receivable tokenization
Package lending and receivable assets as transferable instruments to open new funding and liquidity options.
Fund and asset distribution
Issue and administer tokenized fund or real-asset interests with eligibility and disclosure controls built into the token.
White-label, regulated-first, and economical to run
This capability is part of one client-owned banking ecosystem — core, deposits and lending, payments, FX, treasury, and card issuing — not a standalone crypto product. It carries the same principles as everything ACM ships.
Client-owned and brandable
Every screen, token program, and settlement flow ships under your name. The trust you have built stays with you.
Built for regulated institutions
Compliance-ready by default, with controls, audit trails, and reporting suited to banks and credit unions under scrutiny.
Lean infrastructure
ACM targets up to 95% lower infrastructure cost versus legacy core stacks, so new rails do not arrive with legacy overhead.
Delivered on an Agile Speed Framework
A delivery model focused on getting capability into production quickly, with ecosystem partners Hanzo.ai and Lux Network.
Fits the core, ledger, and chains you already run
A tokenization and stablecoin program only earns trust when it reconciles cleanly with the systems your back office and examiners already rely on. ACM connects the token and settlement layer to your existing rails through documented APIs and connectors rather than asking you to rebuild around it.
Core and ledger reconciliation
Token issuance, transfers, and stablecoin settlements post back to your general ledger and core deposit system, so on-chain balances and book-of-record stay in agreement at every cycle close.
Chain and custodian connectivity
Connect to the settlement networks and custodial or non-custodial key providers your policy allows, with bridges to correspondent and card-network rails so on-chain and off-chain value reconcile in one view.
KYC/AML and screening reuse
Reuse your existing identity, sanctions, and transaction-monitoring providers. Eligibility checks run at the token layer and call out to the same screening services your compliance team already governs.
APIs, SDKs, and webhooks
REST APIs, SDKs, and event webhooks expose issuance, redemption, and settlement state to your treasury, reporting, and reconciliation tooling without manual exports.
- Controls your risk team can map: role-based access, maker-checker approvals, and key-governance policies align token operations to your existing segregation-of-duties model.
- Data residency and hosting: deploy in cloud, hybrid, or single-tenant configurations so ledger data and program records stay in the jurisdictions your regulators require.
- Audit-ready evidence: every issuance, transfer, and settlement carries an immutable, exportable trail designed to support SOC 2, ISO 27001, and PCI-DSS examination needs.
Ready to put tokenized assets and stablecoins on your rails?
Walk through a tokenization and settlement design built around your institution, your compliance posture, and your brand. See related work in RWA tokenization and payments and stablecoins.
Talk to ACMFrequently asked questions
What is real-world asset (RWA) tokenization?
RWA tokenization represents an off-chain asset — such as a deposit, loan, receivable, fund interest, or property — as a token on a blockchain. The token carries the asset's eligibility, transfer, and disclosure rules so it can move and settle programmatically while staying inside an institution's compliance perimeter. BCG projects tokenized real-world assets could reach $16T+ by 2030.
How are stablecoins used for settlement?
Stablecoins act as a settlement layer for payments, FX, and tokenized-asset transactions, letting value move and settle in minutes around the clock instead of waiting on batch cycles or correspondent chains. In 2024, stablecoin transfer volume reached roughly $27.6T, surpassing Visa and Mastercard combined according to on-chain data. ACM connects this layer to your core, treasury, and ledger with compliance-ready controls.
Is ACM's RWA and stablecoin capability white-label?
Yes. Every screen, token program, and settlement flow ships under your institution's brand and is client-owned. It is delivered as part of one banking ecosystem rather than a standalone product, with custodial or non-custodial custody models selectable per program.
Is this built for regulated institutions?
It is designed regulated-first and compliance-ready, with controls, audit trails, and reporting suited to banks and credit unions. Compliance rules can be encoded at the token layer, and post-quantum cryptography is applied to protect long-dated assets across their lifecycle.