Finomatica
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Both kinds of money in one ledger.

Digital-asset accounts sitting beside the fiat balances in the same double-entry core, converting between each other inside it. No second stack, no bridge, one reconciliation.

01Accounts side by side

A customer holds euro, dollar and digital-asset balances in one list and moves between them in one flow. They are entries in the same double-entry ledger, which is why there is one reconciliation rather than two systems agreeing overnight.

02Conversion, not a bridge

Fiat converts to digital assets and back inside that ledger. Nothing leaves for an external exchange and returns, so there is no second set of balances to keep in step and no window in which the two disagree.

03Custody and what it earns

Client digital assets are held, with custody records kept in the ledger alongside everything else, and yield-bearing savings products sit on top of them. The digital-asset leg of a payment settles the same way the fiat leg does.

Capabilities.

Digital-asset accounts
Held alongside fiat balances, in the same ledger.
Fiat and crypto conversion
Inside the same ledger, with no external bridge.
Custody
Holding client digital assets.
Custody records
Kept in the double-entry core with the balances they describe.
Crypto savings
Yield-bearing digital-asset products.
Settlement
The digital-asset leg of payment flows, settled like any other.
Fiat accounts alongside
Multi-currency balances with dedicated and pooled IBAN structures.
Monitoring and screening
Real-time AML monitoring, ongoing sanctions and PEP screening, continuous risk scoring.
Audit trail
Immutable, and a by-product of how the ledger works rather than assembled afterwards.

Every component described here is running in production today inside licensed financial institutions whose platform we build and operate.

Watch it work before you commit to anything

We will take you through the fiat and digital-asset sides as they stand, in one ledger and one back office, and map what you are launching onto what is already there. You will be talking to the people who run the platform.

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