Your deposit franchise, extended to the ledger
Two instruments, one backbone: a tokenized deposit that stays your liability, and a payment stablecoin built for the GENIUS Act. Your customers experience a single coin. Your classification memo writes itself.
Deposits for the bank side. Stablecoins for the open side.
Boards are told to choose. LedgerBridge runs both, on one compliance backbone, with atomic conversion between them.
Tokenized deposit
A closed-loop token that moves only among the bank's verified customers. It remains the bank's FDIC-insured demand-deposit liability (subject to ownership category and limits) and can pay interest.
- Cash management, treasury and settlement between your own customers
- Interest paid only as new tokens minted to the holder, never by rebasing
- Legal nature fixed at mint; nothing changes hands that changes character
Payment stablecoin
An open-network token backed at least 1:1 by segregated reserves in permitted assets, subject to sanctions screening on every transfer, and designed for the GENIUS Act licensing regime.
- Cross-border and open-network payments, the top-ranked stablecoin use case for banks
- 100% cash and short-term Treasuries; zero algorithmic component
- Statutory redemption at par, monthly reserve disclosure, CEO/CFO certification
Born backed. Burned at the holder.
Money that cannot exist before its funding.
There is no pre-minted pool and no issuer inventory. A token is minted only after the backing funds are confirmed, directly into the customer's wallet. On redemption it is burned in that same wallet. Issuer addresses hold zero tokens at all times.
Supply equals confirmed backing, by construction. There is nothing to reconcile, because there is no inventory. Every token lives exactly one life.
A depeg needs a place to happen. We didn't give it one.
Confirm first
Backing funds arrive over rails the bank already uses: RTP, FedNow, wire or book transfer.
Mint to the holder
Tokens are created directly in the verified customer's wallet. No treasury, no pool, no transfer from an issuer address.
Burn at the holder
Redemption burns the token in the customer's wallet and releases funds at par. Nothing is re-issued.
One coin to the customer. Two instruments to the regulator.
Switching between deposit token and stablecoin is a single burn-and-mint in the same customer wallet, with backing funds moving in lock-step under a two-phase commit. No bridge wallet, no escrow, no in-between state.
The customer sees one balance and one action. The bank sees two instruments, each with its legal nature fixed at mint, each on the same audit trail.
Read: Deposit tokens vs. stablecoins →AI proposes. The bank disposes.
Risk agents follow a four-step ladder: Annotate → Verify → Hold → Block. Holds are time-boxed and fail open unless the bank co-signs an extension. Blocks and claw-backs require the bank's independent key. Every action is written to an append-only audit trail together with the model version that proposed it.
The freeze switch is yours, and it has a timer.
We compare architectures, not companies
| Design question | Pooled / pre-minted designs | Single-token designs | LedgerBridge |
|---|---|---|---|
| Where does supply come from? | A pre-minted pool: a honeypot and a reconciliation burden | Issuer treasury | Minted only after confirmed funding, directly to the holder |
| What is the token, legally? | Depends on the pool's structure | Changes with who holds it; classification stays open | Fixed at mint: deposit or stablecoin, never both |
| Who holds the freeze switch? | The issuer, indefinitely | The issuer, indefinitely | The bank, with a timer and dual-key blocks |
| Disputed funds | Reversal can pay the accuser before a ruling | Varies | Freeze in place; at-par exit restores if adjudication stalls |
| Conversion between instruments | Bridge wallets and escrow | Not applicable | One atomic burn-and-mint, no in-between state |
Your rails, your nodes, your rules
The platform runs on a permissioned, EVM-compatible network operated by LedgerBridge, with the bank running its own validation or observer node. Single bank or multi-bank consortium, the model is the same: extension, not re-platforming.
- Backing funds move over RTP, FedNow, wire or book transfer
- Your identity provider, your customer records, your compliance officers
- Chain-agnostic protocol claims; the ledger is an implementation detail
| Instrument | Framework |
|---|---|
| Tokenized deposit | Bank deposit liability; FDIC insurance subject to ownership category and limits; OCC Interpretive Letters 1174 and 1183 |
| Payment stablecoin | GENIUS Act of 2025: permitted issuer, ≥1:1 reserves in permitted assets, monthly examination, CEO/CFO certification, no yield |
| Both | BSA/AML, CIP/KYC, OFAC screening, SAR filed by the regulated entity |
Questions boards ask about tokenized money
Are tokenized deposits FDIC insured?
A tokenized deposit that is legally a deposit at an FDIC-insured bank is insured like any other deposit, subject to ownership category and limits. The FDIC's April 2026 proposal states that deposit insurance does not depend on the technology used to record a deposit. Payment stablecoins are not insured deposits.
What is the difference between the two tokens on the platform?
The deposit token is a liability of the bank that moves only among the bank's verified customers and can pay interest. The payment stablecoin is backed at least one to one by segregated reserves, moves on open networks and cannot pay interest. Each has its legal nature fixed when it is minted.
Does a bank need a stablecoin subsidiary to use the platform?
Not for tokenized deposits, which fall under existing deposit law. A subsidiary approved as a permitted payment stablecoin issuer is needed only when the bank wants to issue the payment stablecoin. Many banks start with tokenized deposits for their own customers and add the stablecoin later.
How is the supply of tokens controlled?
A token is minted only after the backing funds are confirmed, directly into the verified customer's wallet, and it is burned in that wallet at redemption. Issuer addresses hold no tokens. Outstanding supply therefore equals confirmed backing at every moment, which simplifies reconciliation and the monthly reserve report.
More detail: are tokenized deposits FDIC insured, what is a permitted payment stablecoin issuer and the guide to the GENIUS Act proposed rules.
Bring your counsel. We will bring the claims.
A working session on the dual-class design, the patent filing and how it maps to your charter.