Turn fixed-term deposits into programmable tokens with automated interest, renewals and early redemption — and run inter-company settlement on treasury-issued coins.
Banks and corporate treasuries are moving from experiments to production with tokenized money. Deposit tokens keep money on a regulated bank’s balance sheet while making it programmable; settlement coins let group entities net and settle instantly; purpose-bound coins ensure funds are spent only as intended.
For a bank, NUVZ designed a solution that issues a token for every fixed-term deposit carrying amount, tenure, rate and maturity. Smart contracts accrue and pay interest, handle renewals and maturity, and — within bank-defined rules — allow early redemption or transfer to another eligible customer. The rollout plan went from product definition to pilot in 12 weeks. Read the case study.
Configurable tenure, rate model, payout schedule and redemption rules.
Accrual, payouts, renewals and ledger updates without back-office effort.
Early redemption and peer-to-peer transfer within a permissioned network, with bank-set charges.
APIs into core banking, CRM, KYC and customer dashboards.
Bank-branded custodial, non-custodial and MPC wallets with DID-based access management.
Treasury-issued coins for inter-company settlement and investment coins restricted to approved uses.
A delivery approach refined across tokenization programmes for property, credit, energy, carbon and banking.
A workshop with your legal, finance and product leads to define the asset, the investor rights, the jurisdictions and what success looks like.
We choose the token standard, chain, identity model and transfer rules, then document the architecture and smart-contract specification.
Two-week sprints with demos. Smart contracts, investor and admin portals, wallets, KYC, payments and core-system integrations.
Unit, integration and scenario tests, internal review, and an independent smart-contract audit before anything touches mainnet.
Pilot, go-live and ongoing support: monitoring, upgrades, new asset onboarding and reporting for regulators and investors.
Each fixed deposit issued as a programmable token with automated interest, renewals and maturity, plus rule-based early redemption and peer-to-peer transfer.
Can’t find your answer? Ask an engineer directly — no sales script.
Chat with an expertDeposit tokens and stablecoins both put money on-chain, but differ in issuer, regulation, backing and use cases. Compare them and see how programmable fixed deposits work.
How investors and issuers hold tokenized assets: qualified custodians, platform-managed wallets, MPC, smart accounts and self-custody — with regulatory, UX and recovery trade-offs.
Tokenized US Treasury and money-market funds are the largest RWA category. Learn how they are structured, how subscriptions and yield work, and how to build one.
Get a free 30-minute architecture session with a NUVZ tokenization lead. We will map your asset, investor base and jurisdictions to a token model, chain and compliance design — and tell you honestly if tokenization is not the right fit.
Tell us about the asset, the investors and the jurisdictions involved. A senior NUVZ engineer — not a sales script — will reply within one business day with next steps, a suggested architecture and a realistic timeline.
Prefer a call? Pick a 30-minute slot with our team.
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