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DCS for the
banking industry

Digital Currency Solution (DCS) is a new way for banks to handle, manage, and distribute their funds in the form of digital money, designed to beneficially replace fiat currencies through blockchain and process automation.

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TOP REASONS TO CHOOSE OUR SOLUTION

Benefits of Digital Currency Solution

DCS leaves the times when electronic cash was simply a digital representation of paper money behind, becoming money itself! The new money circulates entirely on blockchain, revolutionizing the whole concept of banking operations.

Every operation in the system is approved by the majority voting, which ensures full transparency of all processes. Every unit in the system is uniquely identifiable and cryptographically protected to prevent counterfeiting.

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Resilient payment landscape

Blockchain provides fast, secure, and transparent means of payment. All records are immutable, and each transaction is traceable, which minimizes risks of misdemeanors.

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Direct access to banks’ money

Currently, the only way to have your serving bank’s money is to hold cash. DCS allows businesses and households to access it directly, while economically, nothing changes.

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Improved cross-border payments

Due to differing national regulations, cross-border payments are impeded by fees and penalties, which only delays payments. DCS allows making payments directly through the bank, being certain that the counterparty will accept the payment.

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Cost-efficiency

The solution enhances the efficiency of traditional banking systems, first, by enabling faster and easier transactions via mobile applications, and second, by reducing costs of financial services (limited printing of banknotes and eliminated physical cash distribution).

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Universal money

DCS has the advantages of both fiat money and cryptocurrencies, offering stability, non volatility, resilience, security, and acceptability to encourage people to use the solution instead of more risky private cryptocurrencies.

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Privacy and compliance

DCS provides more privacy than existing payment systems in compliance with AML, CFT, and sanctions regulations.

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OUR SOLUTION IN ACTION

How DCS works

Create an asset

The work in the system starts with creating an asset, where an administrator needs to specify all the required parameters for the new asset.

Voting

All operations with assets and loans are initially processed as applications, or proposals. Each proposal passes through the voting process, where a positive solution is made if ⅔ voters (the majority) gave a positive answer.

Issue the asset

Once the new asset is approved, it can be issued to circulation; choose the asset from the list of available assets and specify the amount to issue. After the asset is issued, you can utilize it from the dedicated menu section.

Bank rate management

Take control of your bank’s monetary policy by manipulating banking rates and monitoring changes to them over time. Again, each bank rate change proposal passes through voting.

Commercial bank reserve management

If you operate a commercial bank, you may define individual reserve amounts for each condition and then submit them for voting.

License request

To submit a license request, you need to provide your bank’s contact info and attach all the required deliverables. Financial conduct authorities may either grant or deny license requests.

Wallet operations: swap

You may swap funds in your wallet by indicating the provided currency and its amount and the currency you want to take in exchange. The exchange amount is calculated with the 1:1 exchange rate.

Wallet operations: transfer

You may initiate fund transfers from your account (wallet), indicating the recipient account and the amount to send.

Loan issue

The solution allows you to offer different types of loans, each with its own terms and interest rate, to consumers, and each loan request is approved or denied through the majority consensus.

Loan repayment

The process of loan repayment is initiated by the Commercial Bank and only in the case of debt. The debt is displayed in the “Balance” tab.

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Requirements

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Just planning to implement blockchain?

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