Tokenized Deposits Platform

Modern, programmable money on a trusted infrastructure

Kaleido provides the full stack financial institutions need to bring tokenized deposits from concept to production. It combines enterprise blockchain infrastructure, token lifecycle tooling, institutional key management, and a programmable compliance and workflow layer in a single, auditable platform.

Available as fully managed SaaS, on-premise, or hybrid, built around how regulated financial institutions actually operate.

End to end lifecycle management

Mint, manage, and redeem across multi-denomination and multi-currency workflows with configurable issuance rules and limits.

Programmable logic and compliance

Embed KYC/AML controls, approval workflows, transfer restrictions, jurisdictional limits, and more directly into token logic.

Settlement connectivity

ISO 20022-compatible workflow engine coordinates on-chain and off-chain operations via 500+ platform APIs.

Institutional key management

Native support for Enterprise HSM integrations. Kaleido never holds your private keys.

Seamless connectivity across FMIs, RTGS systems, and global payment networks

Kaleido's open API framework and ISO 20022-compatible workflow engine bridge your on-chain deposit ledger to the systems and rails your operations teams already depend on.
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- ISO 20022 support configurable for FMI and RTGS connectivity
- Native integrations with Notabene (Travel Rule) and Chainalysis (AML)
- 500+ platform APIs and open connector framework for core banking and treasury integration

Embedded business logic & workflows

Transform compliance from a post-process checkpoint into an embedded capability by automating governance policies, approvals, and limits directly into the transaction lifecycle.
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- Maker/checker, 4-eye, threshold/quorum, and approval models built in
- Orchestrate on-chain submission with off-chain core banking and treasury calls
- Policies versioned, auditable, and configurable via UI or code
- Cryptographically logged every policy evaluation and signing event

Complete token lifecycle management

Effortlessly mint, burn, and manage the lifecycle of your deposit tokens with full programmatic control to enable instant, 24/7 cross-border settlement.

- Govern token actions (mint, burn, etc.) with configurable policy controls
- Balance tracking across multi-currency tokenized deposit pools
- Upgradeable contract patterns with governed upgrade authority
- Auto-generate REST APIs from any smart contract ABI

Connected to an all-in-one platform

One stack for digital asset management, smart contract orchestration, and network infrastructure.
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- OAuth 2.0 / OIDC, RBAC, and mTLS access management across all layers
- SOC 2 Type II and ISO 27001 certified infrastructure
- SaaS, on-premise, or hybrid deployment option
- Key management, policy enforcement, token operations, and workflow orchestration in one platform

Where tokenized deposits create real business value

Cross-border settlement

Replace multi-hop correspondent chains with direct bilateral settlement, cutting transaction time from days to seconds.

Securities settlement

Settle securities transactions atomically against tokenized deposit cash legs, eliminating principal risk entirely.

Collateral & RWAs

Enable tokenized real estate, infrastructure, and alternative assets to settle natively against bank deposit currency.

Tokenized liquidity

Program conditional sweeps, repo transactions, and collateral movements with no manual intervention.

wCBDC interoperability

Bridge deposit tokens to wholesale CBDC rails as they come online across any network.

Remittance

Settle consumer and business remittances across borders in tokenized deposits, removing correspondent banking fee layers.

Common questions

What your legal, risk, and technology teams may ask.

What are tokenized deposits and how are they different from stablecoins?

Tokenized deposits are digital representations of commercial bank deposits on a blockchain ledger. Unlike stablecoins, which are issued by non-bank entities backed by reserve assets, tokenized deposits are a claim on a licensed commercial bank, subject to deposit insurance, prudential regulation, and central bank oversight.

What blockchain networks does Kaleido support for tokenized deposits?

Kaleido supports a number of networks including Besu, Ethereum, Canton, Base, Arbitrum, Avalanche, Stellar, Solana, and more.

How does Kaleido support regulatory compliance obligations?

Kaleido's policy engine enforces transaction rules before signing, covering counterparty identity, value thresholds, velocity, and jurisdiction. Built-in integrations with Notabene (Travel Rule) and Chainalysis (AML) cover the most common regulatory requirements. Every signing event is cryptographically logged. Compliance configuration and rules are configured by the client to meet necessary obligations and requirements.

Can tokenized deposits interoperate with CBDC infrastructure?

Yes. Kaleido supports multi-ledger interoperability between commercial bank tokenized deposits and wholesale CBDC systems. This is something we've supported for dozens of the top central banks and financial institutions in the world.

What is the difference between tokenized deposits and wholesale CBDCs?

Wholesale CBDCs are digital central bank money, the highest quality, zero-credit-risk settlement asset. Tokenized deposits are commercial bank money, a private sector liability issued by licensed banks. The two are complementary. Tokenized deposits handle interbank liquidity flows while wholesale CBDC provides the ultimate settlement asset. Kaleido supports both and the interoperability layer between them.

Explore our product lines:

Digital Assets

Create, onboard, and custody digital assets. Correlate on-chain activity to your financial systems with pluggable integrations for compliance and policy to build your future financial rails.

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Web3 Middleware

Seamlessly handle sophisticated transaction and event orchestration for your digital asset workflows rooted in the leading open source project for enterprises building on blockchain.

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Chain Infrastructure

Deploy and scale production-ready blockchain networks on your protocol of choice with enterprise-grade security, 99.99% uptime SLAs, and automated lifecycle management.

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A platform for any digital asset & any use case

From tokenized securities and RWAs to stablecoins and deposits, our platform provides a single, unified foundation for your entire digital asset strategy.