Tokenized Deposits for Financial Institutions
Cosmos Tokenization Services let you offer instant settlement and programmable money on infrastructure that seamlessly integrates with existing systems and interoperates with external payment rails.
Trusted by
24/7
Settlement availability
< 3s
Transaction finality time
$70bn+
Assets secured by Cosmos
The Problem
The settlement gap is costing you deposits
- You can't settle payments on weekends or outside banking hours
- Customers expect a better experience
- The settlement risk stays on your books until markets reopen
Features
Cosmos Tokenization Services: Resilient, secure, and production-grade infrastructure that fits your bank's stack
Battle-Tested Institutional Security
Regulatory Compliance
Interoperability with payment rails, consortia, and banking networks
Native Core Banking Integration
Who We Serve
Cosmos Tokenization Services built for your business
Tokenized deposit issuance and transfer
Issue and transfer bank-issued tokenized deposits that remain FDIC-insured, interest-bearing, and fully aligned with banking law. Use them for yield, collateral, escrow, and programmable payments, all on permissioned infrastructure.
Native interoperability
Plug and play core banking adapters
GL reconciliation
Compliance gateway
IBC, our open-source interoperability protocol, connects your ledger simultaneously to Cari, Canton, Partior, Ethereum, Solana, Agora, and other major networks
Route payments based on counterparty, fees, availability, and your bank's internal policy, with no lock-in
ISO 20022 signing uses your existing RSA infrastructure, so there is no new key management to operate
Proven at scale
- Wells Fargo is building its tokenized deposit engine on Cosmos.
- USDF Consortium, a US regional banking network for tokenized deposits, runs on Cosmos.
- Progmat, the Japanese megabank consortium for tokenized assets, chose Cosmos for tokenized deposits.
How Cosmos Tokenization Services work: Tokenized deposits that integrate with your core and connect to external rails
1. Connect to core banking
- Each enrolled account is mirrored as a tokenized deposit
- Syncs with your bank ledger. No replacement of your systems
- Pre-built adapters for core banking systems
- Works with existing digital asset custody providers and connects to multiple networks
2. Tokenize FDIC-insured deposits
- FDIC-insured, interest-bearing deposits on a digital ledger
- Built into standard banking workflows
- Audit-ready from day one
- Built-in sanctions screening, KYC enforcement, transfer limits, velocity checks
3. Settle instantly, around the clock
- Transfers settle in under 3 seconds
- Settlements during the weekends and outside banking hours
- ISO 20022 signing using your existing RSA infrastructure
- Automatically routes payments according to your policies and compliance requirements
Key Tokenized Deposits Use Cases
Real-time transfers outside banking hours with settlement in seconds → around-the-clock execution for time-sensitive payment flows
Japan's regulated tokenization platform, Progmat, uses Cosmos interoperability for fast and transparent interbank transfers.
Learn moreThe most widely adopted stack in production, running 150+ digital ledgers today
Enterprise-grade infrastructure trusted by the world's largest financial institutions.
Core
Get digital ledgers up and running on time and on budget with our EVM-compatible software development kit, proven in production by 150+ customers today.
Consensus
Achieve 10,000+ transactions per second with instant settlement, ideal for high-demand financial use cases.
Connectivity
Connect with other networks and your existing infrastructure quickly and seamlessly with the industry's most secure, flexible interoperability technology.
