Tokenized deposits for banks
A stablecoin leaves your balance sheet.
A tokenized deposit never does.
Berth is 7T World's tokenized-deposits and real-time ledgering platform for banks — offered under your brand, on your core. Your deposits become programmable and settle around the clock, while staying exactly what they are: your money, on your balance sheet, FDIC-insured. Compliance is built into the protocol, not bolted on top.
See BerthModernize your deposits without letting go of them.
A tokenized deposit is a deposit. It stays on your balance sheet, it stays FDIC-insured, and it keeps every authority a deposit carries — including the ability to bear yield. Berth makes it programmable and gives it round-the-clock settlement, but it never changes what it is or where it lives.
That distinction is the whole point. A tokenized deposit is your deposit, in your bank, carrying every authority and protection a deposit already carries — it is not a new instrument you have to issue, back with a separate reserve pool, or defend to your examiner as something novel. Your deposits modernize; your balance sheet, your reserves, and your customer relationship stay exactly where they are.
Two different instruments. Know which you're issuing.
Both have their place. The difference is not better or worse — it is where the money sits, and who keeps the authority over it.
Tokenized deposit — Berth
- Bank money, on your balance sheet
- FDIC-insured, like any deposit
- Yield-bearing is permitted
- You keep the authority and the reserves
- Issued under your own brand
Payment stablecoin
- A distinct instrument that leaves the balance sheet
- Backed by a separate reserve pool
- Governed by its own statutory regime
- A different tool for a different job
- Offered, when you want it, under Bearings
Two layers, native to one platform.
Tokenization and payment operations are not two products stitched together. Berth is built native on both — so the token on the ledger and the entry in your books are always the same fact.
DLT tokenization, native
A permissioned distributed ledger handles issuance, redemption, on-chain settlement, and real-time reserve attestation. Every deposit token is 1:1 fiat-backed and provable at any moment — proof of reserve is a property of the ledger, not a quarterly report.
Payment-ops ledger, native
General-ledger reconciliation, ISO 20022 messaging, and payment-rail movement in and out — FedNow, RTP, SWIFT, and on-chain bridges — with regulatory reporting written as value moves. The two layers are one platform, so the token and the books never disagree.
Compliance is the architecture, not an add-on.
Most tokenized-deposit and stablecoin infrastructure builds the ledger first and adds compliance on top. Berth builds it in. Screening, reserve and lifecycle testing, per-transaction proofs, and GRC monitoring are structural — they are how the platform is made, not a layer you buy separately.
Screening at the protocol level
KYC, AML, and sanctions checks are enforced where the token moves — in the protocol itself, before value settles. Not a batch review bolted on after the fact.
Reserves and lifecycle, provable
Issuance, redemption, and reserve backing are tested continuously, with real-time attestation. Every token carries a per-transaction compliance proof, so the evidence exists as the transaction does.
GRC monitoring, built in
Governance, risk, and compliance monitoring runs as part of the platform, the way your examiner will expect to see it — assembled continuously, not reconstructed before an exam.
Built for the way money moves now
Round-the-clock settlement, standard messaging, and cross-ledger reach are designed in from the first version — not features waiting on a roadmap.
How a deployment starts
Issuing is the easy part. We build for the exam that comes after.
Every Berth deployment opens with advisory — your balance sheet, your reserve and liquidity posture, your risk and compliance program, your vendors, and what your charter and jurisdiction will actually bear. The architecture gets built to that, not to a generic use case.
It runs under your brand, on your existing core, and injects into your platform through APIs — the customer relationship, the deposits, and the economics stay with you. And it is done by people who have been on the other side of the exam: as the regulator, the enforcement attorney, the compliance and risk officer, the operations lead, the engineer, and the founder. Compliance-native by design is what lets a tokenized-deposit program survive your risk committee.
Modernize your deposits without letting go of them.
See it working
See a tokenized deposit move around the clock while the ledger entry and the token stay the same fact — under your brand, on your core.
See a demoFacing your risk committee
Bring your core, your reserve posture, and your risk committee's questions, and you'll get a read on what Berth does today, what fits your institution, and what your charter will bear — from a founder, not a sales rep. The value is the read, whether or not you build with us.
Get an honest readFit
Built for institutions like yours.
A tokenized-deposit program is a conversation with your primary regulator, and who that is changes everything about it. A national bank answers to the OCC; a state member bank to the Federal Reserve; a state non-member to the FDIC and its state banking department. A credit union answers to the NCUA, on its share accounts and its field of membership. Each of those has a different appetite, a different examination posture, and a different set of questions your board will be asked.
Berth is built to be shaped to your charter rather than sold around it — which is why every deployment opens with advisory on what your charter and jurisdiction will actually bear, not with a generic architecture.
A berth is the assigned place a vessel ties up — safe harbour, under the harbourmaster's authority, where what is aboard stays aboard. Your deposits deserve the same. Find your berth →
7T World · Berth
Global Innovation, Anchored in Trust.
Berth is part of how 7T World helps institutions modernize their payments — compliance-native by design, and composable with the rest of the portfolio when you want it. No product depends on another. View all services →