Regulated Digital Cash
Billon regulated digital cash is a new form of DLT technology explicitly designed to meet the performance and regulatory needs of “true cash” national currency payments to comply with document / privacy requirements.
The key distinction of regulated digital cash from stable coins is that it is issued and controlled by banks or regulated institutions, who can seamlessly back an encrypted digitized dollar with any government issued currency.
Learn more on why Regulated Digital Cash is a better solution compared to stable coins on our blog.

Billon offers a range of enterprise solutions based on regulated digital cash.
Thanks to our technology, we are able to mint (digitize) almost any national currency to provide a cost-effective, modern and modular solution for solution for high volume payments (in & out) with near-real-time processing.
Why is Our Solution Unique?
Lower the costs of managing bank accounts and streamline both payments and reconciliation of associated data and identity flows with a state-of-the art payment processing solution
Customizable payment system based on national currencies for any business scenario
Integrated KYC to verify users and secure payouts
All-digital experience with ability to tailor user journeys
Multiple top-up options: card top-up, bank transfer, wide cash-in points network
Different types of integration methods with enterprise systems to maximize solution’s effectiveness
How Our System Works
High Level Flow of Funds
Key Modules of the Solution
KYC
Fully automated, estimated for 85% of cases, Human-Assisted
Corporate nodes
Key element of the system, that allows money circulation
Compliance Panel
For complex control over user access and limits for AML compliance
User app
End user application, integrating all modules into one wallet.

Key Capabilities
- Payments solution designed so as to provide maximum flexibility needed to support existing or future business processes.
- Full integration with corporate solutions and the possibility of creating the best user experience.
- Fast and low cost processing of payments using eMoney between modules enables hassle-free use in wide range of business cases and great digital experience.Links between Billon payments solution and bank networks provide full connectivity to payments (e.g. Elixir, SWIFT) and local infrastructure
Benefits for our Clients

All-digital experience
Management panels, end-user apps and easy API integration with enterprise systems

High performance
Optimized for high-volume (in&out) and near-real-time payments processing

Flexible implementation
Possibility to fit the solution into existing business processes and custom user journeys

Modular construction
Any payment scenario possible thanks to the solution’s flexible modular structure

Regulatory compliant
Polish Financial Authorithy (KNF) and FCA approved; AML 5 and PSD II compliant

Multicurrency
Possibility to mint any national currency

Easy data processing
Minimum need to collect and process personal data