Stablecoin and tokenized deposit use cases for banks
Banks hold stablecoin balances for clients, issue tokenized deposits and custody digital assets, and every onchain movement has to reach the core ledger.
Use cases by type of firm
47 use cases
Stablecoin payments
- Tokenized deposits for interbank settlementSettle payments between banks in tokenized deposits and tie each one to the core.
- Stablecoin deposits to business bank accountsDetect stablecoin deposits into business bank and fintech accounts and post them to the account alongside fiat.
- Stablecoin card programsDetect stablecoin top-ups to the wallets that back a card program so spend limits update.
- B2B cross-border payments in stablecoinsPay suppliers abroad in stablecoins and track each payment from send to off-ramp.
- Stablecoin settlement for card networksSettle card-network obligations with issuers and acquirers in stablecoins across chains.
- Stablecoin dollar accountsOffer dollar accounts held in stablecoins, with balances and history kept in step with the chain.
- Stablecoin disbursements for public-sector programsTrack government benefit or grant payments made in stablecoins, from issue to spend.
- Stablecoin card program operationsWatch card-backing wallets and read balances at authorization time for stablecoin-linked cards.
Stablecoin issuer operations
- Stablecoin mint and redemption monitoringRecord every mint and redemption of a stablecoin as it happens, on every chain.
- Token allowlist membership trackingFollow which wallets may hold or receive a bank-issued token as the allowlist changes.
- Basel cryptoasset disclosure dataRead a bank’s cryptoasset holdings at the period-end block so it can classify them and complete its Basel disclosure tables.
- Continuous proof of reservesCompare onchain supply with reported reserves on a schedule, then publish the ratio or alert on a gap.
- NCUA stablecoin reporting dataReport supply, mint and burn, and holder figures for a stablecoin issued by a credit union subsidiary under the NCUA’s proposed rules.
- Supply data for stablecoin issuance platformsGive an issuance platform one view of supply across every coin and chain it runs.
- MiCA stablecoin reporting dataReport holder counts, issuance and volumes each quarter for asset-referenced tokens above €100M in issue, and for EMTs in non-EU currencies.
- Daily stablecoin supply by chain for PS-01 reportsKeep the daily per-chain supply, issued, redeemed, issuer-held, frozen and lost figures that feed the weekly OCC PS-01 report.
- MiCA daily usage cap for stablecoinsTrack the quarterly average of daily transactions and their value against the 1M transactions and €200M a day limits, and warn well before an issuer must stop issuing.
- GENIUS Act stablecoin reporting dataFile the weekly OCC PS-01 report from daily per-chain supply, freeze and holder data.
Stablecoin treasury and reconciliation
- Tokenized deposit tie-out to the core ledgerTie tokenized-deposit balances onchain to the bank’s core ledger each day.
- Gas wallet monitoringKeep gas wallets funded on every chain and alert before one runs dry.
- Crypto client asset segregationShow which wallets and balances belong to the firm and which to clients, at any date.
- DeFi accounting for positions and vaultsBook accrued rewards, vault shares and lending positions across DeFi protocols at period end.
- Stablecoin treasury management across chainsSee stablecoin cash across every wallet and chain in one place.
- Idle stablecoin cash sweepsMove idle stablecoin balances into tokenized money funds when they pass a threshold.
- Stablecoin mint and burn tie-out to reservesMatch each mint and burn to a reserve movement for the monthly examination.
- Reconcile tokenized and book-entry positionsCheck that tokenized positions match the book-entry or custodial records they mirror.
- DAC8 and CARF reporting dataSupply the valued transfer history behind each user’s yearly DAC8 or CARF report.
- Crypto fair-value pricing from DEX tradesFeed DEX trade prices into principal-market fair-value marks and the VWAPs used to check them.
- Digital asset audit evidenceGive auditors each wallet’s balance at the year-end cut-off block and the year’s transfers.
Tokenized assets
- Tokenized loan participation paymentsPay out loan-participation shares between banks in tokenized deposits.
- DvP settlement monitoring for tokenized assetsMatch each delivery-versus-payment settlement of a tokenized asset to its booked trade, and alert when a trade, or one leg of it, hasn’t settled by the deadline.
- Crypto fund NAV calculation from onchain holdingsValue a fund’s wallet and vault positions at the cut-off so the administrator can compute and report NAV.
- Tokenized bond coupon paymentsPay bond coupons to holders at the record date.
Crypto compliance data
- Crypto source of funds and wealth checksTrace where a client’s onchain funds came from to document legitimate wealth at onboarding.
- VASP and counterparty due diligence dataProfile a VASP, issuer or counterparty by its onchain exposure before onboarding it and while the relationship lasts.
- Crypto wallet screening and sanctions dataFlag transfers that touch sanctioned or high-risk addresses.
- Data for crypto AML transaction monitoringFeed complete transfer data to AML tools with lineage from the chain to the case.
- Smart contract and wallet monitoringWatch your contracts and wallets for attacks and unexpected changes.
- Crypto scam and money mule detection dataFlag payments to scam-linked wallets and customer accounts that act as money mules.
- Pre-signing policy checks for custodiansCheck a transaction against policy and risk verdicts before the custodian signs it, and block the signature if it fails.
- Crypto Travel Rule dataMatch outgoing transfers to Travel Rule messages sent through a partner network.
Digital asset services for banks and brokers
Blockchain data for your systems
- Onchain data for risk ratings and scoringSupply wallet and protocol history to the models that rate DeFi risk or score borrowers.
- Stablecoin transaction volume and market share by chainMeasure real stablecoin or tokenized-asset volume by chain, with inorganic flows stripped out.
- Track stablecoin issuers and competitors onchainFollow competitors’ and issuers’ supply, mints, burns and holders.
- Stablecoin market data for analytics: market cap, supply and activityTrack stablecoin supply and market cap by token, chain and issuer, with holders, active addresses, transfer counts and velocity over time.
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