DEOSX · Digital Money
Issue and manage your own digital money
Issue stablecoins and deposit tokens or distribute a CBDC through your channels, with reserves and a live regulator view.
Digital money under your balance sheet and your regulator's view
Issue stablecoins and deposit tokens backed by your balance sheet, or distribute a central bank digital currency through your channels. Reserves, redemption and reporting are visible to your regulator in real time.
What's inside
- Stablecoin and deposit-token issuance
Issue, redeem and manage tokens backed by your balance sheet.
- CBDC distribution
Distribute a central bank digital currency in a two-tier model, through your existing channels.
- Reserves and redemption
Track reserves and redemptions against tokens in circulation.
- Live regulator view
Your regulator sees reserves, redemption and reporting in real time.
- Compliance built in
AML, sanctions, Travel Rule and a full audit trail.
How it works
- 01
Design
Define the token type (stablecoin, deposit token or CBDC distribution), backing and rules.
- 02
Choose the network
Public chain, your existing network or a private network.
- 03
Connect reserves and core
Link token issuance and redemption to your balance sheet and core.
- 04
Give access
Distribute through wallets, apps and partner channels.
- 05
Oversee
Operate from the operator console, with a live regulator view.
Use cases
Issue a deposit token for faster corporate payments and settlement.
Digital banking for commercial banksDistribute a CBDC through commercial banks with real-time oversight.
CBDC platform for central banksOffer Shariah-compliant digital money to customers.
Digital banking for Islamic banksSpecification
| Item | Detail |
|---|---|
| Instruments | Stablecoin, deposit token, CBDC distribution |
| Models | Two-tier central bank model supported |
| Oversight | Reserves, redemption and live regulator view |
| Networks | Public, existing or private |
| Compliance | AML, sanctions, Travel Rule, audit trail |
One foundation under every product
Every product shares one Digital ID, one compliance layer (AML, sanctions, Travel Rule, audit trail), a Shariah layer and an operator and regulator console.
- One Digital ID
Verify a customer once and reuse that identity across every product.
- One compliance layer
AML, sanctions screening, Travel Rule and a full audit trail.
- A Shariah layer
Shariah-compliant versions of products, built in.
- Operator and regulator console
One view for your operations team and, where required, your regulator.
A customer onboarded once can use all five products. See the digital ID and compliance layer for banks.
Track record
Backed by iSentric since 2003: the team that has built mobile banking and payments for Malaysian banks.
Our Journey since 2003 Achievements Past Clients How we deliver: Integration & Delivery
Digital Money FAQ
What is the difference between a stablecoin and a deposit token?
In general, a deposit token represents a deposit held at a bank, while a stablecoin is a token designed to hold a stable value against a currency or asset, backed by reserves. DEOSX supports both.
Can a central bank use DEOSX?
Yes. DEOSX supports CBDC distribution in two-tier models, where commercial banks distribute the central bank's currency.
Can our regulator see activity?
Yes. Reserves, redemption and reporting can be shared with your regulator in real time.
Which network does it run on?
Public chains, your existing network or a private one built for you.
Is Shariah-compliant digital money available?
Yes. Shariah-compliant versions are built into every DEOSX product. See Islamic finance.
Talk to us about Digital Money.
Take one product or the full platform. We will come back with a scoped conversation.