Infrastructure for tokenized deposits
Deposit Coin: Infrastructure for Tokenized Deposits
Deposit Coin – Our platform enables stablecoin issuers to launch fully fungible, FDIC-insured, interest-bearing tokenized deposits on a public blockchain without permissioning or white listing.
Tokenized Deposits
- Each token represents direct 1:1 ownership of an FDIC-insured deposit at a US bank – no issuer IOU or reserve mismatch.
- Interest bearing
- Fully fungible on a public chain – no permissioning or white listing.
Infrastructure, not an issuer
- Deposit Coin does not issue tokens itself.
- We provide legal, technical, and compliance infrastructure for banks and issuers.
- Regulated by the Federal Deposit Insurance Act (FDIA) and exempt from the GENIUS Act framework (not a payment stablecoin).
Why it matters
- Combines the safety of insured deposits with web 3 speed and programmable settlement.
- Allows to offer interest-eligible digital dollars on-chain.
- Keeps funding inside the banking system instead of funding treasuries through reserve-backed payment stablecoins.