FinTech // Client Project

Digital Currency Payments:
Same-Day Cross-Border Settlement.

We built a practical FinTech solution combining atomic delivery vs. payment (dvp), automatic liquidity bridge, and hsm-gated key control. The project delivered 98% Cost Reduction and T+0 Settlement Speed.

Key Results RESULTS
98%
Cost Reduction
vs Correspondent
T+0
Settlement Speed
Live Finality
5k+
Node Throughput
NIST ALIGNED

Trusted by teams building ambitious products

What We Set Out to Improve.

Industry
FinTech

Regional financial hub requiring an interoperable bridge between private digital asset pools.

How We Worked
Dedicated product team

Blockchain Architect + Cryptography Lead + 3 Backend Engineers embedded with the Digital Markets unit.

Goal
Cross-Border Liquidity & Settlement

Eliminating the using intermediary correspondent banks to release trapped liquidity.

What We Built
Interoperable DLT Platform

A practical solution designed around the client’s existing tools, teams, and day-to-day workflow.

What Was Getting in the Way.

The client’s regional payment corridor relied on a disconnected chain of correspondent banks, each adding 0.5% in fees and 24 hours in response time. This Liquidity Trap prevented live trade settlement and forced commercial banks to maintain massive capital buffers in dormant accounts.

The biggest issues were counterparty risk, slow incoming transfers, and opaque audit trails. The team needed a faster, clearer way to manage the work while keeping the right checks in place.

Counterparty Risk
Multi-day settlement windows exposed participants to currency fluctuations and intermediary insolvency risks.
Slow Incoming Transfers
High transaction costs made micro-payments across the corridor economically unviable for SMEs.
Opaque Audit Trails
Disconnected messaging across SWIFT and local systems made live AML/KYC tracking impossible.
The Solution

What We Built.

01
Atomic Delivery vs. Payment (DvP)
Added a smart contract platform that executes simultaneous currency swaps, ensuring zero-risk settlement finality.
Key details
Type Atomic Swap
Standard ISO 20022
Response time Sub Second
02
Automatic Liquidity Bridge
Built a Live data connection that monitors ledger state changes to trigger automated rebalancing of liquidity pools.
Key details
System design Live Updates
Throughput 5000 TPS
Resilience ZERO DOWNTIME
03
HSM-Gated Key Control
Secured validator nodes with Hardware Security Modules (HSM), ensuring central banks retain absolute control over issuance keys.
Key details
Encryption NIST Standard
Compliance Secure by Design
Audit Traceable Data
Before and After

How the Workflow Improved.

Area
Before
After
Settlement Time

3-5 Business Days

Dependent on bank operating hours and time-zone alignment across the corridor.

T+0 Sub-Second

Finality is achieved at the moment of ledger commit, regardless of geograpatient health informationcal distance.

Capital Efficiency

Pre-funded Nostro

Commercial banks must park billions in pre-funded accounts to cover projected flows.

Just-in-Time Liquidity

On-demand settlement eliminates the need for idle capital buffers in the corridor.

Security Model

Trust-Based Messaging

Using individual bank security protocols and manual reconciliation files.

Cryptograpatient health informationc Proof

Identity and transaction validity are verified via HSM-backed cryptograpatient health informationc signatures.

Key Features

What Made the Solution Useful.

ZERO DOWNTIME

Reliable Bridge Nodes

Introduced globally distributed validator nodes using Cloud-based automation to ensure the corridor never closes.

Business impact
99.999% Availability
Traceable Data

Traceable Compliance Records

All ISO 20022 messages and ledger state transitions are hashed and logged for live regulatory oversight.

Business impact
100% Traceability
Fast Response

ISO 20022 Native Processing

Native integration of global financial messaging standards directly into the smart contract execution layer.

Business impact
Zero Translation Delay
Faster Delivery

How We Reduced Build Time.

Tested foundations helped the team spend less time on setup and more time on the parts that made this product useful.

What accelerated the work

4 reusable building blocks
01

Digital Identity Module

A tested starting point for digital identity module reduced repeated setup work.

02

DLT Bridge Module

Reusable work for dlt bridge module let the team focus more time on the client’s specific needs.

03

Central Bank Monitoring Platform

This made it easier to add central bank monitoring platform without rebuilding common foundations.

04

Liquidity Safety controls

A tested starting point for liquidity safety controls reduced repeated setup work.

Results

The Business Difference.

A straightforward before-and-after view of what changed for the team and their customers.

RESULT: SPEED01

Settlement Time Finality

Transitioned from 3-day manual correspondent settlement to live atomic execution.

Older72 Hours
Coretus Platform< 1 Sec
Outcome99.9% Response Time Reduction
RESULT: EFFICIENCY02

Transaction Unit Cost

Removal of intermediary fees allowed for a massive reduction in cross-border overhead.

BeforeHigh Fee
AfterLow Cost
Outcome98% Less Fee Suppression
RESULT: RELIABILITY03

Throughput Capacity (p95)

Distributed system design handles high-volume commercial flows without performance degradation.

Target2k TPS
Coretus5k+ TPS
Outcome2.5x Throughput Buffer
Results99.9% Response Time Reduction • 98% Less Fee Suppression
Trust and Control

How We Kept It Safe and Reliable.

01
Data Privacy
Private ledgers and zero-knowledge proofs ensure Central Banks maintain data isolation while permitting settlement.
Private SAFE
02
Security System design
NIST-standard encryption and HSM-gated issuance ensure 100% asset integrity.
NIST COMPLIANT
03
Growth System
Cloud-based validator nodes ensure flexible scaling for peak regional trade volumes.
CLOUD NATIVE
04
Code and IP Ownership
Coretus provides 100% IP ownership of the bridge system design and custom smart contract logic.
100% OWNED
Client Testimonial

In their own words.

Coretus didn't just build a bridge, they built a private settlement platform that solved a decade-long liquidity trap. We achieved T+0 finality across the corridor, providing the exact level of transparency required for board-level risk sign-off.

Build for the Digital Ledger Future.

Have a similar challenge? We can help you plan and build a practical FinTech solution around your goals, budget, and existing systems.

NIST-Standard Compliance

T+0 Settlement Guaranteed

100% IP & Protocol Ownership