Ownership Ledgers
Ownership ledgers enable actors in a consortium to record and transfer irrefutably the possession of any fungible, non-fungible or fractional asset.
Our Innovation
Store & share by end-to-end privacy through cryptography
Decentralize all data for no central exposure to hacker
Support all businesses, public agencies, individuals and devices
Onboard identities from little to extreme level of compliance
Grow organically from one organization to any B2B & B2G consortium
Scale immutability, digital signatures & timestamps to enterprise-grade
Offer any connector and industry standard for frictionless integration
Transfer atomically any fungible, non-fungible or fractional ownership
Support any multi-party & complex payment scheme
Settle any ownership transfer within milli seconds
Outcome
Prevent disputed ownership
Power disruptive marketplace
Enable creator economy
Modernize fiat currency & payment
Feature
Benefit
Integration by thin overlay
Innovation without legacy disruption
Ownership proof by cryptography
No fraudulent rewrite or dispute
Settlement by multi-signature
Atomic finally for any payment scheme
Fractional ownership by confidentiality
Fully compliant RWA tokenization
Asset life-cycle by digital signature
Irrefutable digital twin
Account identification by name
Ownership transaction without typo
Solutions Enabled By FileChain
Run retail CBDC network
An ownership ledger by FileChan enables a central bank to run a large scale CBDC (Central Bank Digital Coin) network.
Millions of accounts protected by digital signatures and atomic transfers allow all citizens to participate after rigorous identity management, KYC, KYB, CFT and other onboarding checks performed by associate banks within this network.
FileChain treasuries managing fungible coins support offline payments with coupons / QR codes as well as delivery-versus-payment and payment-versus-payment schemes.
Irrefutable self-auditing and strict multi-party signature schemes guarante both privacy and transparency for such CBDC network.
A number of banks can be made responsible for managing sub-treasuries within this CBDC network to scale to many millions of account holders.
Benefits:
Fully compliant identity checks
Full KYC for retail accounts
Full KYB for corporate accounts
AML, CFT
Multiple engines
Delivery-versus-payment
Payment-versus-payment
Offline-payment with QR Code / coupons
Potential integration for cross-border payments
ISO-20022 messages for instance
>100,000 transactions / second
Self-audit by each actor
Relevant transactions only
Treasury nodes run by vetted actors
Hosting & geographic sovereignty
No gas fee, no mining fee, no stacking fee
Always-On decentralized service
Tokenize compliant Real World Assets (RWA)
An ownership ledger by FileChain enables the tokenizationf of any Real World Asset (RWA) with full compliance.
Assets such as real-estate can be tokenized with fractional ownership of all share holders, investors, asset managers managed using digital signatures and stringent identity management to comply to all applicable regulatory frameworks.
Any paperwork, expenditure and revenue, over the full life-cycle of any tokenized asset (factory, apartment building, etc.) can also be tracked on the ledger with full compliance with an irrefutable audit trail.
Profit-loss statements and any other financial reports can be generated for accounting and dividend distribution based on fractional ownership by all relevant participants.
Auditors, accountants and other legal parties may also be owners but with 0 share to require their approval / signature to any asset transaction.
Benefits:
Irrefutable fractional ownership
Irrefutable expenditure report
Self-audit
Quorum-guarded multi-signature scheme
RWA digital twin
Custodian & non-custodian model
Multi jurisdiction compliance
No gas fee, no mining fee, no stacking fee
No off-Ramp Fee
Integration-ready for cash-out payment rails
Always-On decentralized service
Run wholesale CBDC network
An ownership ledger by FileChan enables a central bank to run a large scale CBDC (Central Bank Digital Coin) whosale network.
Millions of accounts protected by digital signatures and atomic transfers allow all citizens to participate after rigorous identity management, KYC, KYB, CFT and other onboarding checks performed by associate banks within this network.
FileChain treasuries managing fungible coins support offline payments with coupons / QR codes as well as delivery-versus-payment and payment-versus-payment schemes.
Irrefutable self-auditing and strict multi-party signature schemes guarante both privacy and transparency for such CBDC wholesale network.
A number of banks can be made responsible for managing sub-treasuries within this CBDC network to scale to many millions of account holders and treasuries can also deployed to interconnect with a top-level central-bank treasury for a complete offer from retail to wholesale.
Benefits:
Full KYB for corporate accounts
Identity management for all financial institutions
Delivery-versus-payment
Payment-versus-payment
Offline-payment with QR Code / coupons
Potential integration for cross-border payments
ISO-20022 messages for instance
>100,000 transactions / second
Self-audit by each financial actor
Relevant transactions only
Treasury nodes run by vetted actors
Hosting & geographic sovereignty
No gas fee, no mining fee, no stacking fee
Always-On decentralized service
Run user-to-user marketplace
An ownership ledger by FileChain enables to run a fully-compliant user-to-user trading marketplace.
Identity management from simple to extensive can be suported to perform any level of due-dilligence for any actor to be onboarded with compliance.
Identity checks can be (re-)performed periodically to ban any illicit actor later on.
Fungible assets (utility coins , points) can be used for trading as well as non-fungible assets (NFT) and even fractional ownership of assets can be supported on this user-user marketplace.
On-ramp and off-ramp for all users, asset managers can be easily integrated.
Benefits:
Accounts with digital signature
Fungible asset, coin, point
Non-fungible assets (NFT)
Fractional ownership
Irrefutable self-audit
Relevant transactions only
Full compliance
Immutability
Fully compliant identity checks
KYC, KYB, AML, CFT
Multiple engines
Quorum-guarded multi-signature scheme
Custodian & non-custodian model
Multi-jurisdiction compliance
No gas fee, no mining fee, no stacking fee
Integration-ready for cash-out payment rails
Always-On decentralized service