Wholesale Digital Money Infrastructure

Adhara's Wholesale Digital Money Infrastructure provides comprehensive software solutions enabling banks, financial market infrastructures, and central banks to implement and manage deposit tokens, settlement tokens, and central bank digital currencies (CBDCs). The platform serves as the foundation for the next generation of wholesale money, enabling real-time liquidity management, atomic settlement, and programmable treasury operations.

Deposit Token Solution - Commercial Bank Digital Money

Adhara's Deposit Token Solution enables banks and financial market infrastructures to implement and manage deposit tokens and settlement tokens, creating the foundation for wholesale digital money infrastructure with real-time liquidity management and atomic settlement.

LiquidityHub T.0

Provides multinational banking groups with a centralized funding and settlement center. The platform creates a group-wide deposit token pool accessible by internal entities and institutional clients, delivering real-time visibility across all digital cash positions, instant intra-group settlement, and seamless connectivity to external wholesale settlement networks. This architecture eliminates liquidity fragmentation and enables consolidated management of digital assets.

PayHub T.0

Offers a comprehensive group-wide payments hub delivering real-time cross-border and cross-currency payment capabilities. The solution provides institutional clients and internal banking entities with dynamic FX pricing, instant clearing, atomic settlement, and integration with external wholesale payment networks. All payment instructions are executed directly on blockchain infrastructure with full transparency and immediate status visibility.

Treasury T.0 for Corporates

Enables banking groups to rapidly deploy advanced payment and treasury management solutions for corporate clients. The platform includes comprehensive treasury visibility across global operations, automated cash management through customizable pooling rules, real-time payment execution with pre-known FX rates, and sophisticated FX risk management tools.

Benefits for Bank Treasury Operations

The solution delivers a consolidated liquidity pool that eliminates fragmentation and reduces overall liquidity requirements across the banking group. Real-time dynamic funding capabilities reduce dependency on forecasting and cash pre-funding, while a unified view of obligations enables improved risk management, dynamic settlement, and netting opportunities. Banks can settle with external counterparties directly through the hub, reducing reliance on correspondent banking relationships.

CBDC Suite - Central Bank Digital Currency Infrastructure

Adhara's CBDC Suite is a comprehensive software solution enabling central banks to implement and operate direct issuance wholesale central bank digital currency (CBDC) offerings domestically or regionally. The suite brings together all key components needed for a central bank to model, manage, and operate as a direct issuer of their currency on a distributed domestic network.

CBDC Implementation Software

Provides central banks with production-ready tools to deliver a new direct issuance wholesale CBDC that powers innovation in domestic or regional ecosystems. The platform enables tokenization of assets with real-time visibility and instant settlement capabilities. End-to-end functionality includes management of direct issuance, transfers, limits, value dates, bank onboarding, and modeling of Real-Time Gross Settlement (RTGS) connections.

The software is forged through participation in the highest quality initiatives in the CBDC sector, including Fnality and Project Khokha, incorporating proven architectural patterns and operational models.

Central Bank Simulator

Enables fast prototyping of complete distributed CBDC RTGS networks. The simulator allows central banks, participating commercial banks, and regulatory authorities to quickly familiarize themselves with various governance and operational models. Stakeholders can assess risks and benefits of different network configurations, test policy implementations, and refine operational procedures before committing to production deployment.

Benefits for Central Banks

The platform provides comprehensive tools for managing all aspects of direct CBDC issuance, from initial token creation through ongoing operations. Central banks maintain full control over monetary policy implementation while leveraging the efficiency and transparency benefits of distributed ledger technology. The solution supports various operational models, including direct issuance to commercial banks, tiered structures, and hybrid approaches.

Ecosystem Benefits

Benefits to ecosystem participants include significantly reduced settlement risk through atomic transactions, new liquidity options enabled by programmable money, increased traceability and transparency of monetary flows, and simplified reporting and compliance through native digital audit trails. The platform creates the foundation for innovation in wholesale digital money markets, including new collateral arrangements, securities settlement, and cross-border payment integration.

Technical Foundation

Both solutions are built on distributed ledger technology with smart contract functionality, enabling programmable money and atomic settlement guarantees. The platforms support multiple currencies and integrate with both traditional banking infrastructure and emerging digital settlement networks, providing a critical bridge for the transition to tokenized wholesale money. The architecture supports integration with existing central bank and commercial bank infrastructure while providing the flexibility to implement novel operational models unique to digital currencies.