Digital Asset Platform

The natural extension of the banking infrastructure

TAS Digital Asset Platform enables banks and financial institutions to integrate Digital Securities, Digital Money, and Crypto Assets into existing banking and Capital Markets processes, without creating new technological and operational silos.

The platform extends TAS capabilities in Capital Markets, Payments, Liquidity, Settlement, Accounting, and Compliance, connecting them through an open model to new infrastructures and specialized providers within the Digital Asset ecosystem..

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TAS Architecture for Digital Assets

An integrated, open, and future-ready model.

Digital Access Management (DAM) governs the end-to-end business transaction across channels, applications, and banking processes, while the Digital Interlink Layer (DIL) allows for the integration and abstraction of specialized infrastructures and providers within the Digital Asset ecosystem.

A composable architecture that leverages existing capabilities, enables new use cases, and maintains process control, offering flexibility and independence from any single provider.

More value, less complexity: why choose TAS

Capital Markets expertise

Trading, post-trade, settlement and securities lifecycle

Payments & Liquidity expertise

Cash leg, payment flows, settlement and liquidity management

End-to-end orchestration

Asset leg, cash leg and banking records

Security & Compliance

Integrated process controls

Open ecosystem

Integration with infrastructures and specialist providers

Flexibility and configurability

Adaptable model for different use cases

Time to market

Leveraging and reusing existing capabilities

TradFi + Digital Assets

A single banking operating model

Activate only what you use

A modular, flexible, and multi-provider journey.

Every financial institution starts with different needs, priorities, and infrastructures. TAS works with the client to build the most suitable solution, leveraging existing capabilities and progressively activating those required for their specific Digital Asset use cases.

The open and modular architecture allows the integration of TAS systems, banking applications, and specialized providers, preserving flexibility and technological independence while supporting the platform’s evolution over time.

New opportunities. The same banking operating model.

The Digital Asset Platform enables different business models by integrating new assets and infrastructures with existing banking and Capital Markets processes.

Digital Securities

Integrating digital financial instruments across the entire securities lifecycle.

Digital Money

Integrating new forms of money into payment, settlement, and liquidity processes.

Digital Euro

A digital currency for a more innovative and integrated economic system.

Crypto Assets

Enabling crypto services within the banking ecosystem.

Post-Trade & Settlement

Fostering the coexistence of traditional and digital instruments within the same operating model.

Digital Securities

The Digital Asset Platform allows the integration of digital financial instruments into existing processes, from distribution and trading to settlement and servicing. A single operating model to manage both traditional and digital instruments, maintaining end-to-end control and flexibility in integrating with specialized infrastructures and providers.

Key Benefits

New business opportunities: New instruments, markets, and distribution models.
Greater efficiency: Integrated processes across the securities lifecycle.
Control and compliance: Digital Securities integrated into control processes.
Enhanced experience: New investment services for clients.

Use Case Examples

Tokenized Bonds: Issuance and placement of digital bonds.
Tokenized Funds: Distribution and management of digital funds.
Secondary Trading: Trading of tokenized instruments on regulated markets.

Digital Money

The Digital Asset Platform allows the integration of the Digital Euro, stablecoins, tokenized deposits, and other forms of digital money into existing banking processes, enabling new payment, settlement, and liquidity management models. A single operating model to manage both traditional and digital money, maintaining control over payment flows, liquidity, and settlement processes.

Key Benefits

More efficient payments: New payment and settlement methods integrated into the banking infrastructure.
Enhanced liquidity management: Unified visibility and management of liquidity across traditional and digital forms of money.
Control and compliance: Integration of new flows into existing control, accounting, risk, and compliance processes.
New business models: Enablement of new services for retail, corporate, and institutional clients.

Use Case Examples

Payments with Digital Money: Payments using the Digital Euro, stablecoins, and other forms of digital money integrated into existing banking processes.
Tokenized Deposits: Issuance and management of tokenized deposits for corporate and institutional clients.
Cash Leg for DvP: Use of digital money for the settlement of the cash leg in digital and tokenized asset transactions.

Digital Euro

TAS supports the evolution towards the Digital Euro, enabling the integration of new forms of money with existing payment, settlement, and cash management processes. A single platform connecting the Digital Euro with banking infrastructure and financial markets, ensuring security, control, and interoperability.

Key Benefits

New business opportunities: New services for citizens, businesses, and financial markets.
Greater efficiency: Integrated processes across payments, settlement, and cash management.
Control and compliance: Secure integration with European regulations and infrastructures.
Enhanced experience: Simple, secure, and accessible services for clients and counterparties.

Main Use Cases

Retail Digital Euro: Use of the Digital Euro in payment processes and services aimed at individuals and businesses.
Wholesale Central Bank Money: Use of central bank money for the settlement of digital financial instruments, connecting with DLT and TARGET Services.

Crypto Assets

The Digital Asset Platform allows banks and financial institutions to integrate Crypto Asset services into existing banking processes, connecting channels, trading, payments, accounting, and compliance with specialized infrastructures and providers. An open model that enables the Bank to maintain control over the client relationship and end-to-end processes, accessing specialized capabilities of the crypto ecosystem without creating a new operational silo.

Key Benefits

New client services: Expanding the banking offering with Crypto Asset services integrated into existing channels.
Access to the crypto ecosystem: Integrating specialized providers and infrastructures through an open model.
Control and compliance: Integrating crypto flows into banking control, risk, accounting, and compliance processes.
A unified banking experience: Managing both traditional services and Crypto Assets within the same client relationship.

Use Case Examples

Embedded Crypto Banking: Access to buying, selling, and managing Crypto Assets directly through the Bank’s channels.
Crypto Trading: Access to crypto markets and liquidity for institutional clients and the Bank’s trading activities.
Custody & Wallet Integration: Integration of specialized wallets and custody services into banking processes and systems.

Post-Trade & Settlement

The Digital Asset Platform allows the integration of traditional and digital financial instruments into post-trade and settlement processes, linking banking systems, market infrastructures, and new DLT platforms. An integrated model to coordinate the asset leg and cash leg, manage the transaction lifecycle, and maintain continuity with position keeping, accounting, reconciliation, and corporate actions.

Key Benefits

More efficient settlement: Integrated processes across banking systems, traditional infrastructures, and new digital platforms.
Asset & Cash Coordination: End-to-end coordination of the transaction’s asset leg and cash leg.
Operational control: Continuity with position keeping, accounting, reconciliation, and back-office processes.
Openness to new infrastructures: Progressive access to DLT infrastructures and new settlement models without creating isolated silos.

Use Case Examples

Hybrid Settlement: Settlement of traditional and digital instruments across different and interoperable settlement infrastructures.
DvP & Asset/Cash Coordination: Coordination of the asset leg and cash leg, supporting traditional, digital, and hybrid Delivery versus Payment models.
Digital Post-Trade Lifecycle: Integrated management of settlement, position keeping, reconciliation, accounting, and lifecycle events for digital instruments.

An open platform for the future of finance

Platform Components

Modular components to enable use cases for Digital Securities, Digital Money, Crypto Assets, and Post-Trade & Settlement.

Integration & Orchestration

Integration with existing banking systems, market infrastructures, and specialized providers through an open and flexible model.

Ecosystem & Partners

Access to specialized infrastructures and capabilities through an open ecosystem of technology providers and market infrastructures.

Security & Compliance

Integrated security, control, and compliance to support the adoption of Digital Assets in regulated environments.

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