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Solution for Banks & Financial Institutions

Institutional-Grade CBDC & Settlement Infrastructure

Banks and financial institutions face a mounting challenge: CBDCs are going live, stablecoins are processing institutional volumes, and tokenized assets demand new settlement rails β€” all without a standardised infrastructure to connect them. SBX AURA provides the ready-made intelligent layer that slots into your existing stack via ISO 20022-compatible APIs, giving you CBDC settlement, AI-optimised treasury, and on-chain compliance without rebuilding from scratch.

See How We Compare
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Cross-border settlement time
ISO 20022
Compatible integration β€” no tech rebuild
100%
On-chain audit trail for every transaction
24/7
AI-monitored compliance & risk scoring
What AURA Delivers

Everything a Bank Needs
for the Digital Money Era

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CBDC–Stablecoin Settlement

Native support for bi-directional exchange between regulated digital assets. Settle tokenized deposits, interbank transfers, and CBDC flows in under 3 seconds with full finality.

via AURA Pay β†—
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AI Treasury Optimization

Autonomously optimise multi-currency treasury positions across stablecoins and CBDCs. Reduce idle float, maximise yield, and automate allocation with AI-driven recommendations.

via AURA Treasury β†—
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Programmable Compliance

On-chain KYB/KYC/AML scoring with behavior-based wallet risk assessments. Enforce jurisdictional policies automatically β€” every transaction produces a regulator-ready audit trail.

via AURA Guard β†—
🌐
Cross-Border Payment Routing

AI-driven routing selects the optimal corridor for each payment in real time β€” across chains, PSPs, FX desks and correspondent banking relationships. Up to 80% lower cost than legacy rails.

via AURA Flow β†—
πŸ”—
Tokenized Asset Settlement

Bridge tokenized deposits, money-market funds, and T-bills to CBDC and stablecoin settlement rails. Connect DeFi liquidity to TradFi infrastructure via ISO 20022 and CBDC protocols.

via AURA Bridge β†—
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Developer-First Integration

Core API stack, SDKs, and developer tools that integrate with your existing banking infrastructure. Identity layer, settlement engine, and data oracles accessible from a single unified interface.

via AURA Core β†—
Integration Journey

From Pilot to Production

AURA is designed for banks that need to move fast without taking on regulatory or technical risk.

01
Discovery & Use Case Scoping

Our team maps your specific use case β€” whether it's interbank CBDC settlement, cross-border corporate payments, tokenized treasury management, or compliance automation β€” and identifies the optimal AURA module combination.

02
Sandbox Integration via AURA Core API

Your engineers get API access and SDK documentation. Integration is via REST/ISO 20022 β€” compatible with your existing core banking architecture. Typical sandbox integration takes 2–4 weeks.

03
Compliance & Regulatory Review

AURA Guard generates a compliance readiness report for your jurisdiction. We support your regulatory review with documentation, on-chain audit exports, and direct engagement with compliance teams.

04
Pilot Launch

Go live with a controlled pilot β€” typically a specific payment corridor, CBDC settlement use case, or treasury automation workflow. AURA's monitoring dashboards give your team full real-time visibility.

05
Scale to Full Production

Expand to additional corridors, currencies, and asset classes. AURA's modular architecture means you add capability without adding complexity β€” each module is independently deployable and upgradeable.

Use Cases

What Banks Build with AURA

01
CBDC Interbank Settlement

Two commercial banks settle an intraday CBDC position via AURA Bridge β€” atomic settlement in under 3 seconds, with AURA Guard auto-verifying both parties and producing a regulator-ready audit record.

02
Cross-Border Corporate Payments

A multinational's treasury team uses AURA Flow to route same-day payments across 12 currency corridors. AURA selects the optimal rail for each β€” stablecoin, CBDC, or OTC FX β€” at up to 80% lower cost.

03
Tokenized Deposit Settlement

A bank issues tokenized deposits on a permissioned chain. AURA Treasury automates settlement and yield distribution to deposit holders, with AURA Guard enforcing withdrawal limits and AML checks in real time.

04
AI-Driven Treasury Rebalancing

AURA Treasury monitors the bank's multi-currency stablecoin holdings and automatically rebalances between USDC, EURC, and CBDC positions to optimise yield and minimise FX risk β€” 24/7, without manual intervention.

AURA Modules

Recommended Stack for Banks

This solution typically leverages three to four AURA modules deployed as a unified stack.

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AURA Core
API stack & integration layer
⚑
AURA Flow
AI-driven routing & settlement
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AURA Guard
Compliance & risk intelligence
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AURA Bridge
Cross-chain interoperability
🏦
AURA Treasury
Programmable treasury & yield
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AURA Pay
Programmable payment rails
Other Solutions

Ready to Deploy CBDC-Ready
Infrastructure?

Connect with our institutional team to explore how SBX AURA can power your bank's digital asset strategy β€” from pilot to full production.