Choose the proposition
Decide what customers should be able to do. This could be an investment platform with integrated payments, a business payments application or a broader digital finance offering.
Future use case / Digital financial services
Payments and investments in one app, under your brand.
A future financial application could bring customers' balances, payments and investment assets together in one branded experience. We could connect the technology that supports it.
This is an illustrative future concept, not an offering available today. Financial products and regulated services would be delivered by appropriately authorised providers. Each solution would be subject to the approvals and operating arrangements it requires.
One customer experience with connected services
Your branded web or mobile app
Hold balancesMake paymentsInvestManage assets
Our technology
Digital asset recordsWallets and APIsPayment integrationsTransaction rules and workflows
Appropriately authorised financial providers
Payments and conversionInvestment products and custodyCardsCredit
The customer need
Financial products should fit into the experience you want to offer
A customer might use one service to move money, another to invest and a third to manage assets. If you serve those customers, bringing those activities together means connecting the customer application, asset records, payment infrastructure and financial providers.
We could provide the technology that connects those parts. A platform operator or product provider could build a branded experience around the services its customers need, start with a focused offering and add capabilities as the product develops.
How it could work
See the proposed operating steps
Connect balances and payments
Customers could receive Australian dollars through virtual payment accounts, hold supported Australian-dollar stablecoin balances and transfer funds through connected payment infrastructure. Currency conversion and cards could extend the payment experience.
Bring investments into the app
In the same interface, customers could access eligible tokenised property, managed funds, securities, private credit and other investment products. They could view assets and allocate money to income-producing investments alongside payment activity.
Add services around those assets
Where the product calls for it, a lending provider could offer credit secured against qualifying assets. The app could connect the customer journey with the provider's lending service.
Automate defined transactions
Businesses could automate supplier payments and settlements. Customers could also authorise AI agents to initiate specific transactions within approved limits and controls. An agent's role would be limited to that authority.
What you could build
An investment and wealth platform
Bring money movement together with access to assets and investment products.
A digital finance app
Bring balances, payments and investments together, with selected card, conversion or credit services.
Embedded financial services
Add payment and investment functions to an existing marketplace or customer application.
Business financial automation
Connect supplier payments, settlements and digital asset transactions in defined workflows.
These could be separate products or parts of a broader offering. Start with the customer problem you want to solve.
Our role
Build around your customers
Your organisation would determine the product mix, operating model and commercial proposition. We could provide digital asset infrastructure, wallets, technology for customer applications, APIs and financial service integrations.
That could give you shared technology rather than requiring a separate build for tokenisation, blockchain records, wallets and each financial connection.
Provider dependencies
Each regulated service would depend on a provider authorised for that specific activity. A payment or investment relationship would not establish coverage for every proposed service, including cards, lending, foreign exchange or custody.
What should your customers be able to do?
Start with the core experience. Explore the assets, payment flows and provider connections needed to bring it together under your brand.