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.

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

magnifying glass

Integrated KYC to verify users and secure payouts


All-digital experience with ability to tailor user journeys

multiple top-up options

Multiple top-up options: card top-up, bank transfer, wide cash-in points network

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Different types of integration methods with enterprise systems to maximize solution’s effectiveness

How Our System Works

a diagram of a system operation
schemat przepływu funduszy
schemat przepływu funduszy
schemat działania systemu

High Level Flow of Funds

a diagram of a funds flow
schemat przypływu środków

Key Modules of the Solution

user adding


Fully automated, estimated for 85% of cases, Human-Assisted

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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

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

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

Regulatory compliant

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



Possibility to mint any national currency

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Easy data processing

Minimum need to collect and process personal data