Adhara Treasury & Liquidity Platform

Product Overview

Adhara Treasury & Liquidity Platform provides enterprise-grade blockchain infrastructure for wholesale banking operations, enabling real-time treasury management, cross-border payments, and digital asset settlement. Trusted by Santander, Lloyds, and UBS.

Core Product Features

Deposit Token Solution

Real-Time Visibility: Instant view of treasury positions across the banking network.

Intraday Management: Streamlined optimization of intraday liquidity objectives.

Tokenized Deposits: Digital representation of bank deposits enabling programmable treasury operations.

Interbank Payments

Cross-Border Settlement: International payments with atomic finality and reduced settlement risk.

Multi-Currency Support: Native handling of multiple currencies in single transactions.

24/7 Operations: Continuous settlement without traditional banking hour restrictions.

FundBloc

Intraday Liquidity: Real-time access to settlement liquidity between banks.

Working Capital Optimization: Reduce trapped liquidity through instant fund transfers.

Credit Facilities: Programmatic intraday lending between network participants.

MarginBloc

Margin Settlement: Streamlined cash settlement for derivatives margin requirements.

Capital Efficiency: Structural benefits to cash ratio calculations.

Real-Time Margin Calls: Instant settlement of margin obligations.

CBDC Suite

Central Bank Infrastructure: End-to-end CBDC issuance and management capabilities.

Programmable Money: Smart contract-enabled monetary policy implementation.

Wholesale & Retail: Support for both interbank and consumer CBDC models.

Key Product Differentiators

Tier-1 Bank Clients: Trusted by Santander, Lloyds, UBS, and major global banks.

Non-Proprietary Technology: Open architecture avoiding vendor lock-in.

Enterprise-Ready: Production-grade infrastructure meeting bank regulatory requirements.

Proven Deployment: Live systems processing real banking transactions.

Ideal Use Cases

• Banks modernizing treasury operations

• Central banks exploring CBDC

• Financial institutions optimizing liquidity

• Cross-border payment infrastructure

• Derivatives margin settlement