Commercial Bank Money Token (CBMT) Infrastructure

Blockchain HELIX provides comprehensive infrastructure for the Commercial Bank Money Token (CBMT), a tokenized commercial bank deposit solution operating on the European Public Network. As the Technical Service Provider for the CBMT ecosystem, the company delivers both the specialized wallet technology and the underlying blockchain infrastructure that enables regulated financial institutions to leverage tokenized bank money for on-chain settlements.

CBMT Wallet for Institutional Access

The CBMT Wallet serves as the official access layer for banks, corporates, and institutional partners to interact with tokenized commercial bank deposits. Unlike consumer wallets, this enterprise-grade solution is designed specifically for regulated banking operations, providing secure custody and transaction capabilities for tokenized bank money within compliant frameworks.

The wallet enables critical financial use cases including Delivery-versus-Payment (DvP) for securities settlement, atomic settlement mechanisms that eliminate counterparty risk, programmable payments with conditional execution logic, and intraday liquidity management for treasury operations. Financial institutions benefit from near-real-time transaction finality, significantly reduced reconciliation overhead, and automation capabilities while maintaining full regulatory compliance.

Integration with existing core banking systems occurs through standardized APIs, allowing banks to adopt blockchain-based settlement efficiencies without disrupting established operational workflows. The wallet implements enterprise-grade security controls including cryptographic key management, multi-signature authorization, and comprehensive audit trails that satisfy regulatory reporting requirements.

European Public Network Infrastructure

The CBMT ecosystem operates on the European Public Network (EPN), Europe's public-permissioned Ethereum infrastructure, with Blockchain HELIX serving as the technical lead, infrastructure host, and network operator. This vertically integrated approach—where the same provider operates both the wallet layer and the underlying blockchain infrastructure—ensures optimal performance, reliability, and seamless integration.

As the infrastructure operator, Blockchain HELIX manages all technical aspects including network architecture design, validator and infrastructure node operations across geographically distributed data centers, 24/7 monitoring and incident response, software upgrades and protocol governance, security patching, and capacity planning. This managed infrastructure service allows participating banks and corporates to leverage blockchain technology without investing in internal blockchain operations expertise.

The EPN provides an Ethereum Virtual Machine (EVM) compatible environment with enterprise-grade privacy controls, enabling confidential transactions while maintaining shared infrastructure benefits. The network features gas-free transactions for members, eliminating transaction cost barriers that would otherwise impede enterprise adoption. Running on ISO 27001 certified cloud infrastructure, the EPN demonstrates adherence to international information security standards required by regulated financial institutions.

Compliance and Regulatory Alignment

The CBMT infrastructure is designed for regulated financial services from the ground up. The wallet and network implement identity management and policy enforcement at the protocol level, ensuring only authorized participants can access and transact with CBMT tokens. This permissioned approach maintains regulatory compliance necessary for commercial bank operations while leveraging efficiency benefits of distributed ledger technology.

Every transaction is recorded on the EPN's immutable distributed ledger, providing comprehensive audit trails that meet regulatory reporting requirements. The infrastructure supports European data residency requirements, GDPR compliance, and integration with existing banking compliance systems for KYC/AML purposes.

Production Deployment and Target Users

The CBMT infrastructure is deployed in production for the CBMT project led by DZ Bank, serving both direct bank users for interbank settlement and corporate clients requiring programmable payment capabilities. This real-world deployment validates the infrastructure's readiness for mission-critical financial services, demonstrating the performance, security, and operational reliability required by commercial banks.

As the ecosystem expands, Blockchain HELIX's infrastructure service provides the proven technology foundation needed to onboard additional financial institutions and corporate participants, with scalable deployment, enterprise-grade SLA guarantees, and continuous technical support for all network members.