Adhara

Adhara is a leading provider of blockchain-based software solutions for liquidity management and international payments in decentralized financial networks. Founded in 2018 and headquartered in London, the company specializes in deposit token solutions, CBDC infrastructure, and real-time cross-border payment platforms.

Core Products and Solutions

Adhara delivers an integrated suite of enterprise-grade products built on distributed ledger technology (DLT) that enable financial institutions to optimize treasury operations, reduce settlement risk, and unlock new revenue streams through tokenized money.

Solutions Portfolio

Deposit Token Solution - The flagship solution providing banks and financial market infrastructures (FMIs) with comprehensive deposit token and settlement token capabilities. This includes LiquidityHub T.0 for group-wide liquidity pooling, PayHub T.0 for real-time cross-border payments with atomic settlement, and Treasury T.0 for corporate clients offering advanced cash management and FX risk management.

Interbank Payments - A complete platform enabling multi-bank networks for cross-currency payments with atomic settlement on CBDCs and commercial bank tokenized money. The solution supports both global and regional payment networks with real-time orchestration, dynamic FX pricing, and transparent payment status.

FundBloc - An innovative intraday liquidity solution connecting banks to provide deliverable settlement liquidity through intraday credit lines, loans, and FX liquidity swaps. This enables treasuries to strategically reduce pre-funding requirements while creating new revenue streams for liquidity makers.

MarginBloc - A revolutionary platform reimagining the cash settlement process for cleared and uncleared initial and variation margin. The solution delivers structural cash ratio benefits, reduces counterparty credit risk and RWA charges, and connects banks to multiple CCPs across multiple currencies through a unified liquidity pool.

CBDC Suite - Comprehensive software for central banks to implement direct issuance wholesale CBDC offerings domestically or regionally. The suite includes end-to-end tools for managing issuance, transfers, limits, bank onboarding, and RTGS connections, along with the Central Bank Simulator for rapid prototyping of distributed CBDC networks.

Products

Digital Cash Commander - Adhara's flagship product serving as the anchor point for all solutions. This treasury management platform provides a unified interface for managing liquidity in the digital asset era, featuring the Funding Now module for decision support and execution orchestration, with capabilities ranging from basic buffer maintenance to advanced intraday liquidity optimization using credit lines, loans, and swaps.

Adhara TestNet - A comprehensive testing environment enabling banks, central banks, and financial market participants to visualize and prepare for the new digital ecosystem. The TestNet facilitates strategic use case validation, operating model design, and gradual adoption without requiring bank technology infrastructure, with Adhara hosting all elements in partnership with Fnality.

Key Strengths and Differentiators

Adhara's solutions are distinguished by their production-ready architecture built on non-proprietary technology, proven through high-profile initiatives including Fnality and Project Khoka. The platform delivers real-time visibility and instant settlement through tokenized money on smart contract-enabled distributed ledgers, with demonstrated integration with major financial institutions including UBS, Deutsche Bank, Banco Santander, and Lloyds Banking Group.

The company's approach enables structural benefits including reduced settlement risk, optimized intraday liquidity management, decreased pre-funding requirements, and new revenue opportunities through liquidity provisioning. Solutions are designed for enterprise readiness with multilateral scheme support, atomic settlement guarantees, and seamless connectivity between traditional financial systems (SWIFT, FIX) and digital settlement infrastructures.

Recent Developments

In June 2025, Adhara merged with ioBuilders to form a leading independent provider of blockchain-based software products and services for financial institutions. The combined entity delivers an expanded suite of DLT-based offerings across liquidity management, international payments, tokenized securities, and lending.

Recent milestones include Partior's integration of Adhara's deposit token solution with Finteum's intraday FX swap marketplace (September 2025), enabling 24/7 payment-versus-payment FX settlement, and the successful pilot of uncleared margin transfers by Banco Santander, Lloyds Banking Group, and UBS in the Sterling Fnality Payment System.

Target Markets and Use Cases

Adhara serves universal banks, central banks, financial market infrastructures (CCPs, payment network operators), and institutional clients. Primary use cases include treasury optimization, cross-border payments, margin settlements, CBDC implementations, and corporate treasury management. The platform addresses critical pain points including liquidity fragmentation, settlement risk, operational complexity, and inefficient capital utilization in traditional financial infrastructure.

Why Choose Adhara

With decades of combined experience across commercial banking technology, capital markets, blockchain, and product development, Adhara's team brings deep domain expertise to solving the most pressing challenges in wholesale digital finance. The company's solutions are forged through collaboration with leading financial institutions and proven in real-world implementations, positioning Adhara as the go-to partner for institutions navigating the transition to tokenized money and digital settlement infrastructure.