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Digital Currency Ecosystem

Building trust in the tokenized economy

Innovative technologies offer solutions to critical issues such as financial exclusion, reliance on a limited number of payment providers, and the ability to withstand geopolitical disruptions and natural disasters. Through digitalization, AI, and tokenization, we can create a financial system that meets the needs of today and tomorrow, where numerous issuers and networks can coexist and interact seamlessly. Our mission is to empower our clients to unlock the full potential of the tokenized economy.

Tokenization is an innovation that is currently being driven by many market participants representing a wide variety of roles and interests. A successful token economy has the potential to create new services and business models in many industries. Token-based digital money – from retail and wholesale CBDCs to deposit tokens and regulated stablecoins – has the capacity to transform the financial system by making it more efficient, accessible, and transparent.

Our belief is that the future of the financial system will be an ecosystem that accommodates multiple issuers and networks in co-existence. The ledgers will be interoperable to allow for secure and atomic operations. By utilizing new technologies, we can build sovereign currency systems that prioritize the needs of businesses and consumers, while also reducing cost and complexity with efficiency gains. Furthermore, tokenized money facilitates online and offline payments to ensure resilience in case of outages or natural disasters.

The digital currency ecosystem

Digital Currency Ecosystem Infographic
Regulated tokenized finance will be part a crucial part of the future financial system.

Our offering for the tokenized economy

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Retail CBDC

Retail central bank digital currency (rCBDC) provides a public form of a national currency, enabling values to be paid for and stored digitally. It is designed to be used by the general public and merchants for retail payments and peer-to-peer transfers. We are here to build rCBDC solutions that support all stakeholders in the payment industry.

Digital representation of Central Bank Digital Currency (CBDC) concept

Wholesale CBDC

Wholesale central bank digital currency (wCBDC) as a foundational settlement layer can enable the interoperability and secure scalability of a tokenized financial ecosystem. G+D provides comprehensive support to central banks worldwide throughout their entire journey in developing and implementing wCBDCs and supporting its numerous and evolving settlement use cases at domestic and cross-border levels.

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Offline Digital Payment

We aim for the highest resilience and inclusion in digital payments. With Filia® Unplugged we empower financial and payment service providers with the tools they need to enhance user experience, ensuring that people can always pay – even when they can't connect.

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Tokenized Deposits and Stablecoins

Stablecoins and tokenized deposits (Commercial Bank Money Token; CBMT) will support the ongoing digitalization of business process automation and IoT payments. Tailored to the needs of commercial banks and regulated stablecoin operators, the G+D Token Management System provides the ultimate solution for seamless issuance, management, and operation of tokenized deposit and stablecoin services.

More insights

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Curious about digital currencies?

Our media library has a vast collection of informative content that can help you understand the intricacies of this exciting topic. 

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