Grow your service offering with digital assets.
Four digital asset products your bank can offer — stablecoin payments, digital asset accounts, crypto-backed lending, and tokenized deposits. All running on the same compliance engine and operations platform as your fiat banking.
Everything your bank needs to offer digital asset products.
Each product runs on the same compliance engine, operations portal, and audit infrastructure as your fiat banking. Feature-flag any product on or off. Launch one now, add others when ready.
Send and receive stablecoins directly inside your banking platform.
Stablecoins are a multi-trillion dollar payment rail growing exponentially. Your clients already use them. The question is whether they use them through your bank or around it.
Multi-Chain, Multi-Stablecoin
Support every major stablecoin — USDC, USDT, PYUSD, and bank-issued tokens — across Ethereum, Solana, Stellar, and other networks. One integration, every rail.
24/7 Global Settlement
Move value across borders at any hour, any day. No correspondent banking delays, no cut-off times, no batch processing. Settlement in minutes, not days.
Bank-Grade Compliance
Every stablecoin transaction flows through the same KYC/AML engine, sanctions screening, and transaction monitoring as your fiat payments. One compliance framework for all rails.
Fiat On/Off-Ramps
Seamless conversion between USD and stablecoins within your banking platform. Your clients never need to leave your ecosystem to move between fiat and digital.
Correspondent Banking Networks
Participate in stablecoin correspondent banking. Settle between institutions on digital rails while maintaining the trust, compliance, and audit trails of traditional banking.
Issuance Infrastructure
Issue your own bank-branded stablecoin. Mint and redeem workflows with reserve verification, token lifecycle management, and complete audit trails from creation through retirement.
Remain the center of your clients' financial life.
Every client who buys digital assets on Coinbase is a client whose deposits left your bank. Digital asset accounts bring those assets — and that relationship — back inside your institution.
In-Bank Digital Asset Accounts
Your clients store, buy, and sell Bitcoin, stablecoins, and other digital assets from their existing bank accounts. No external exchanges, no deposit flight.
Retain & Grow Deposits
28% of American adults hold digital assets — most outside their bank. Bring those assets in-house. Every dollar held in digital assets at your institution is a dollar that didn't leave.
Multi-Provider Flexibility
Compatible with every major digital asset custodian, exchange, and liquidity provider. Choose your custody partner, your liquidity sources, and your supported assets.
Same Compliance Engine
Digital asset transactions flow through the same KYC/AML, sanctions screening, and transaction monitoring as fiat. No parallel compliance infrastructure to build or maintain.
Unified Client Experience
Your clients see fiat accounts and digital asset accounts in one portal. One login, one dashboard, one relationship. Your bank remains the center of their financial life.
New Revenue Streams
Transaction fees, custody fees, spread income, and conversion fees. Non-interest income from a growing asset class without taking principal risk.
Grow interest and fee income with digital asset-backed loans.
Crypto holders represent a multi-trillion dollar market of borrowers seeking liquidity without selling their assets. Your bank can serve them with secured, over-collateralized loans — using the same operations platform and compliance engine as your fiat lending.
$3.88T
Digital asset market cap
$60%
Average LTV ratio
$28%
Of US adults hold crypto
Dollar Loans, Crypto Collateral
Your clients borrow dollars against their Bitcoin, Ethereum, or stablecoin holdings. They get liquidity without selling — you get secured, over-collateralized loans with attractive spreads.
24/7 Collateral Monitoring
Real-time tracking of collateral value, loan-to-value ratios, and margin levels. Automated alerts, margin calls, and liquidation triggers — around the clock, not just during business hours.
Institutional-Grade Custody
Collateral held in qualified custody with segregated accounts, multi-signature controls, and insurance coverage. Your clients' assets are protected to institutional standards.
Attractive Risk-Adjusted Returns
Over-collateralized, short-tenor, secured lending with low expected loss. Net interest income from a new borrower segment — crypto-native corporates, funds, and high-net-worth individuals.
Configurable Risk Parameters
Set your own LTV thresholds, margin call triggers, liquidation levels, and accepted collateral types. Your risk appetite, your parameters, enforced automatically.
Fee Income Stack
Origination fees, servicing fees, custody fees, liquidation fees, and settlement fees. Multiple revenue streams from a single product line.
Supercharge your deposits with tokenization.
Tokenized deposits offer the speed and cost benefits of stablecoins while retaining deposit treatment. Modernize your payments infrastructure without compromising your banking business model.
Stablecoin Speed, Deposit Treatment
Tokenized deposits combine the speed and cost efficiency of stablecoins with the regulatory treatment of traditional deposits — including FDIC insurance eligibility.
Instant, 24/7 Settlement
Move deposits inside and between banks any day of the week, at any hour. No batch windows, no cut-off times, no waiting for Fedwire to open.
Programmable Payments
Smart contracts automate complex payment flows — escrow, conditional release, multi-party settlement, and recurring obligations. Reduce manual processing and operational risk.
Regulatory Compliance
Maintain full regulatory compliance and safety-and-soundness standards. Tokenized deposits are bank liabilities — the same legal and regulatory framework applies.
Interbank Settlement
Settle between participating institutions on shared rails. Reduce counterparty risk, eliminate reconciliation delays, and enable real-time gross settlement between banks.
Preserve Your Business Model
Unlike stablecoins that disintermediate banks, tokenized deposits keep the bank at the center. Your balance sheet, your client relationship, your deposit franchise — modernized, not disrupted.
Six ways banks are deploying digital asset products.
Banks using SBT are activating digital asset products across multiple use cases — from cross-border payments to crypto-backed lending. Each use case runs on the same platform, the same compliance engine, and the same operations portal.
Cross-Border Payments
24/7 global settlement without correspondent banking delays. Your corporate clients move value across borders in minutes — at a fraction of the cost of traditional wire transfers.
Treasury Management
Cash optimization that never sleeps. Corporate treasurers access 24/7/365 liquidity, instant settlement between accounts, and yield opportunities on idle stablecoin balances.
Digital Asset Investing
Retail and high-net-worth clients buy, sell, and hold digital assets through their bank — not through Coinbase. Keep the relationship and the deposits in-house.
Fiat On/Off-Ramps
Seamless USD conversion for clients moving between fiat and digital assets. Your bank provides the on-ramp and off-ramp, capturing fees at every conversion.
Stablecoin Sponsor Banking
Enable fintech companies and digital asset platforms with compliant stablecoin infrastructure. Your bank provides the regulated backbone for their stablecoin operations.
Asset-Collateralized Lending
Serve the growing market of crypto holders who want liquidity without selling. Over-collateralized loans with 24/7 monitoring, automated margin calls, and institutional-grade custody.
Ready to offer digital asset products?
A 30-minute conversation will clarify which products fit your institution, your clients, and your regulatory environment.