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.
BENEFITS
Lower Cost
With banks as direct issuers (using our software), the costs typically related to 3rd party economic agents involved in stablecoin is eliminated
Lower Cost
With banks as direct issuers (using our software), the costs typically related to 3rd party economic agents involved in stablecoin is eliminated
High Performance
Optimized for high-volume transactions, throughput rates are similar to that of European card processors
High Performance
Optimized for high-volume transactions, throughput rates are similar to that of European card processors
Flexible Implementations
All types of payment flows (B2B, B2C, C2B, and C2C) can be supported for streamlining processes
Flexible Implementations
All types of payment flows (B2B, B2C, C2B, and C2C) can be supported for streamlining processes
User Experience
The nature of blockchain makes point-to-point transactions immutable and traceable. With ready apps and easy API integration, the user experience can be the priority, not the tech
User Experience
The nature of blockchain makes point-to-point transactions immutable and traceable. With ready apps and easy API integration, the user experience can be the priority, not the tech
Modular construction
Any payment scenario possible thanks to the solution’s flexible modular structure
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
Regulatory compliant
Polish Financial Authorithy (KNF) and FCA approved; AML 5 and PSD II compliant
Multicurrency
Possibility to mint any national currency
Multicurrency
Possibility to mint any national currency
Easy data processing
Minimum need to collect and process personal data
Easy data processing
Minimum need to collect and process personal data
OUR SOLUTIONS
TAILORED PAYMENT
SOLUTIONS
Peer-to-Peer payments between any two entities (B2B, B2C, C2B, and C2C)
can be deployed with each user having a dedicated wallet with personal embedded business logic. Compliance and governance is embedded in all wallets to be fully regulatory compliant.
CROSS BORDER
MONEY-TRANSFERS
Elimination of the cost of remittance
starts with the authentication of the sender and doesn't end until fully reconciled. Money Transfer System focuses on the full end-to-end journey, and with blockchain, it collapses the authentication, clearing, and settlement into a single process.
WHY OUR SOLUTION IS UNIQUE
Customizable payment
system based on national currencies for any business scenario
Integrated KYC
to verify users and secure payouts
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 IT WORKS
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.
HOW OUR SYSTEM WORKS
FLOW OF FUNDS
KEY CAPABILITIES
Features of eMoney license
Wallets and Accounts
Global payments
Client Verification
VARIANTS OF STABLECOIN
CLASSIC STABLECOIN*
(SINGLE ISSUER MODEL)
With the single-issuer business model (i.e., the classic stablecoin architecture), regulated entities need to purchase stablecoins from a single issuer, who maintains par value using a basket of assets linked to national currency. This model results in a tradeable asset, which is the stablecoin.
REGULATED DIGITAL CASH
(MULTI-ISSUER MODEL)
Using the direct, regulated digital cash business model, each regulated entity is an issuer (multi-issue model), and the funds are backed by client funds through a pre-paid transfer held and ringfenced by the regulated institution. This model results in a payment instrument, and is legally similar to that of a pre-paid card, simplifying regulatory compliance with e-money directives.
