FinTech // Client Project

Digital Asset Ownership:
$500M Managed Securely.

We built a practical FinTech solution combining identity-gated minting, automated settlement system, and traceable audit logs. The project delivered $500M Assets Under Custody and 90% Settlement Speed.

Key Results RESULTS
$500M
Assets Under Custody
LIVE PRODUCTION
90%
Settlement Speed
T+30 Days
0
Policy Deviations
Traceable Data

Trusted by teams building ambitious products

What We Set Out to Improve.

Industry
FinTech

Business real estate funds seeking to lower entry barriers and help secondary market liquidity.

How We Worked
Dedicated product team

Smart Contract Architects + Security Engineers + Backend Leads embedded with Legal/Compliance teams.

Goal
Liquidity & Compliance Automation

Enabling fractional ownership while maintaining strict regulatory wrappers for global professional investors.

What We Built
Smart Contract 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 held a $500M portfolio of premium commercial real estate that was business-widely illiquid. Participation required minimum checks of $5M+, and secondary sales involved 30-day manual title reconciliations and legal overhead.

The biggest issues were liquidity lock, distribution delays, and enforcement risk. The team needed a faster, clearer way to manage the work while keeping the right checks in place.

Liquidity Lock
Manual settlement cycles prevented investors from exiting positions, depressing asset valuations in secondary markets.
Distribution Delays
Onboarding business sub-entities required months of manual document validation across jurisdictions.
Enforcement Risk
Traditional smart contracts lacked the legal circuit breakers required to halt transfers if an investor’s status changed.
The Solution

What We Built.

01
Identity-Gated Minting
Added a restricted token standard where assets can only be held by addresses with a verified, on-chain KYC credential.
Key details
Standard ERC-3643
Gate On-Chain KYC
Privacy Zero-Knowledge
02
Automated Settlement System
Built an automatic engine that syncs on-chain transactions with legal title registers in live use use use use use use, eliminating the T+30 delay.
Key details
Type Event Driven
Sync Atomic Swap
Response time Low Response time
03
Traceable Audit Logs
Every cap-table change is saved in a cryptograpatient health informationcally verifiable ledger, providing one-click reports for regulatory bodies.
Key details
Logging Audit Trail
Security SOC2 Ready
Deployment Cloud Optimized
Before and After

How the Workflow Improved.

Area
Before
After
Equity Access

Paper Units

Minimum participation required $5M+ and weeks of manual legal drafting.

Fractional Tokens

Units as small as $10k, enabled by automated, policy-governed smart contracts.

Compliance

Periodic Audits

Retroactive compliance checks that often found errors months after settlement.

Live Gating

The ledger itself prevents illegal transfers before they happen (Code-as-Compliance).

Settlement

T+30 Days

Manual title transfer, escrow, and legal verification of funds.

Near-Instant

Atomic swaps ensure the asset and payment move simultaneously in sub-second windows.

Key Features

What Made the Solution Useful.

Live Updates

Title-Sync Workflow

Smaller independent services that monitor the blockchain and automatically update the physical legal register within legal safe-harbor windows.

Business impact
90% Admin Reduction
Traceable Data

Consistent Controls

Every controls vote or cap-table split is logged with a cryptograpatient health informationc hash, making it impossible to forge or back-date ownership.

Business impact
100% Error-Free Audit
Secure by Design

Gated Custody Vaults

Private key management integrated into hardware security modules (HSM) following ready for business use SOC2 security controls.

Business impact
Ready for business use Safety
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

Identity Wrapper Module

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

02

Ledger Sync Module

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

03

RWA Monitoring Platform

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

04

Dividend Disbursement Module

A tested starting point for dividend disbursement module reduced repeated setup work.

Results

The Business Difference.

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

RESULT: LIQUIDITY01

Secondary Market Speed

Automated settlement allowed investors to trade positions with near-no extra effort compared to older 30-day processes.

Older Cycle30 Days
Coretus PlatformInstant
Outcome90% Settlement Efficiency
RESULT: ACCESSIBILITY02

Investor Participation

Lowering the minimum threshold via fractionalization increased the unique investor count per asset.

TraditionalRestricted
FractionalReady to grow
Outcome12x Distribution Scale
RESULT: COMPLIANCE03

Reporting Response Time

The time required to generate a full regulatory audit trail for the entire $500M portfolio.

Target< 48 Hours
Coretus10 Seconds
OutcomeLive Audit Trails
Results90% Settlement Efficiency • 12x Distribution Scale
Trust and Control

How We Kept It Safe and Reliable.

01
Transfer Logic
On-chain policy managers prevent tokens from entering unauthorized or non-KYC'd wallets.
CODE ENFORCED
02
Custodial Safety
Integration with business HSMs ensures that private keys are never exposed in memory.
SOC2 COMPLIANT
03
Regulatory Replay
The system allows regulators to replay the ledger state to verify compliance at any point in history.
COMPLIANCE READY
04
Code and IP Ownership
Coretus transfers 100% of smart contract source code and deployment workflows to the client.
100% OWNED
Client Testimonial

In their own words.

Coretus didnt just write code, they built a legal-technical bridge . We successfully fractionalized $500M in assets while meeting business compliance standards that most blockchain vendors couldnt even explain.

Turn Assets into Programmable Equity.

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

ERC-3643 Identity Wrappers

HSM-Integrated Custody

100% IP Ownership