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Digital Assets Capital
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MONEY · PAYMENTS · CREDIT

Connecting money, payments and credit workflows.

Asset owners, merchants and financial institutions often coordinate payment, settlement, credit and trade across separate systems. Digital Assets Capital maps the technology pathways that could connect these workflows, while authorized providers remain responsible for regulated services.

EXPLORE THE ECOSYSTEMDISCUSS MONEY WORKFLOWS

MONEY · PAYMENTS · CREDIT

  1. 01
    MARKETS
  2. 02
    PROGRAMMABLE MONEY
  3. 03
    SETTLEMENT
  4. 04
    PAYMENTS
  5. 05
    CREDIT
  6. 06
    TRADE & COMMERCE

PROGRAMMABLE MONEY & SETTLEMENT

Settlement infrastructure for digital capital markets.

RWAUSD.Ai explores how programmable-money infrastructure could coordinate payment instructions, asset transfers and treasury workflows across digital markets. The platform is planned. RWAUSD, RWACAD, RWAEUR and RWAAED are currency concepts only, none of which is issued or available.

PROGRAMMABLE MONEY & SETTLEMENT

01

INSTITUTIONAL CAPITAL

Eligible professional capital would enter through the authorized arrangements a transaction requires.

  1. 01

    INSTITUTIONAL CAPITAL

    Eligible professional capital would enter through the authorized arrangements a transaction requires.

  2. 02

    PROGRAMMABLE MONEY

    RWAUSD.Ai is the planned programmable-money layer.

  3. 03

    DIGITAL MARKET

    Eligible asset records connect with market infrastructure.

  4. 04

    ASSET TRANSACTION

    The workflow records the instrument and its conditions.

  5. 05

    SETTLEMENT

    Payment and asset-transfer instructions are coordinated.

  6. 06

    TREASURY

    A workflow can map the next step for eligible treasury operations.

CURRENCY CONCEPTS

CONCEPT

RWAUSD, RWACAD, RWAEUR and RWAAED are currency concepts only. None is issued, circulating, redeemable, regulated or available.

  • RWAUSDUS dollarCONCEPT
  • RWACADCanadian dollarCONCEPT
  • RWAEUREuroCONCEPT
  • RWAAEDUAE dirhamCONCEPT

POTENTIAL USE CASES

01

Delivery versus payment

Explore how eligible asset-transfer and payment instructions could be coordinated against agreed transaction conditions.

02

Institutional treasury workflows

Map proposed funding, payment and reporting steps across a digital-market transaction.

03

Trade settlement planning

Identify the banking, currency, custody and document dependencies a cross-border settlement pathway would need to resolve.

Digital Assets Capital is not represented as a bank, issuer, deposit-taker or regulated exchange, and no currency named here is represented as available for use. Any regulated activity would require appropriately authorized providers and confirmed arrangements.

CROSS-BORDER PAYMENTS

A payment layer between commerce and settlement.

DiPay.Ai is digital payment infrastructure designed to connect wallets, merchants, financial rails and programmable settlement across the ecosystem. The flow below is the architecture it is designed to sit in: commerce on one side, settlement on the other, and a payment layer between them. It is a design, and the integrations it depends on are to be confirmed.

  1. 01
    GLOBAL COMMERCEMerchants, marketplaces and travel platforms that need to be paid.
  2. 02
    DiPay.AiPayment technology for merchant and commerce workflows.
  3. 03
    PAYMENT INFRASTRUCTURELicensed providers operate payment, wallet and cross-border rails.
  4. 04
    PROGRAMMABLE SETTLEMENTRWAUSD.Ai explores a programmable settlement layer.
  5. 05
    FINANCIAL INSTITUTIONSBanks and payment providers operate their respective services.

POTENTIAL USE CASES

01

Merchant checkout

Map how a commerce platform could connect checkout events to an authorized payment provider and transaction records.

02

Travel and digital commerce

Explore how a booking or marketplace workflow could pass payment details to a licensed provider.

03

Cross-border payment handoffs

Document provider, currency and settlement dependencies for a potential cross-border workflow.

DiPay.Ai is in development. No payment processing, coverage, settlement timing or banking relationship is represented. Execution depends on licensed providers and confirmed arrangements.

CREDIT & LENDING

Connect credit records, lenders and settlement workflows.

Credit workflows combine asset and participation records with lender decisions, servicing and payment. DAC maps where digital-market infrastructure can support those handoffs.

  1. PRIVATE CREDIT

    Originated loans and asset-backed credit, structured before anything is digital.

  2. PrivateCredit.RWA.win

    Digital market infrastructure for private-credit instruments and their participation records.

  3. DigiLending.Ai

    Collateral and servicing workflows connected to credit providers.

  4. INSTITUTIONAL CREDIT CONNECTIVITY

    Capital from eligible providers reached through confirmed, authorized arrangements.

  5. PROGRAMMABLE SETTLEMENT

    RWAUSD.Ai explores programmable settlement architecture.

POTENTIAL USE CASES

01

Credit obligation records

Organize agreed credit terms, counterparties and servicing events for review by an authorized lender.

02

Collateral workflow handoffs

Map how asset records and supporting evidence could be presented to a lender’s own credit process.

03

Repayment coordination

Document a potential payment and reporting workflow with the provider responsible for the loan.

No lending terms, loan availability, interest rate, underwriting capability or institutional lending relationship is represented. Any actual credit requires an appropriately authorized lender. Digital Assets Capital is not represented as providing a lending service.

TRADE FINANCE & PAYMENT SOLUTIONS

Trade Finance & Payment Solutions

PNPL and Digital Letter of Credit address different points in a trade transaction: agreed deferred-payment obligations and documentary requirements under a letter of credit. This section brings both workflows together with payment and settlement connectivity, while each provider retains its own decision-making role and regulated services remain with authorized institutions.

  1. 01
    IMPORTER / EXPORTERThe counterparties whose trade the workflow would follow.
  2. 02
    TRADE TRANSACTIONThe underlying sale, shipment or receivable.
  3. 03
    DIGITAL LETTER OF CREDITDocumentary conditions and obligations recorded as a digital workflow rather than as paper.
  4. 04
    FINANCIAL INSTITUTION CONNECTIVITYAn appropriately authorized bank or institution involved under confirmed arrangements.
  5. 05
    DiPay.AiPayment technology and provider connectivity.
  6. 06
    RWAUSD.AiProgrammable settlement architecture under development.
  7. 07
    SETTLEMENTWhere the two legs would meet.

POTENTIAL USE CASES

01

Document presentation

Map required trade documents, presentation steps and the parties responsible for each handoff.

02

Bank review status

Record document submission and review handoffs while the issuing institution retains its decision-making role.

03

Payment coordination

Document settlement instructions after the bank has acted under the applicable letter and confirmed arrangements.

TRADE FINANCE & PAYMENT SOLUTIONS

Two workflows, one connected trade path.

Review each concept, its potential applications, dependencies and current status together.

PROMISED NOW, PAY LATER CREDIT · PLANNED

PNPL (Promised Now, Pay Later)

Proposed digital workflows for recording payment obligations and agreed terms.

PNPL (Promised Now, Pay Later) is designed for businesses and finance teams that need to record a deferred-payment obligation, its agreed conditions and related settlement events. A digital obligation record can help counterparties organize terms and handoffs. It does not provide credit or make an underwriting decision. PNPL is planned, and any credit, financing or payment service would depend on an appropriately authorized provider and confirmed arrangements.

  • Credit-obligation workflows
  • On-chain obligation records
  • Collateral connectivity
  • Settlement coordination
INFRASTRUCTURE STATUSPLANNED

Programmable credit infrastructure. PNPL is not universally available credit: eligibility and underwriting depend on applicable providers and jurisdiction.

DEPENDENCY
Underwriting and credit provider not confirmed
AVAILABILITY
Subject to jurisdiction, eligibility and applicable requirements
INSTITUTIONAL CONTROLS
  • Eligibility
  • Credit Assessment
  • Obligation Records
  • Monitoring

Subject to jurisdiction, eligibility and applicable requirements

Discuss PNPL
PNPL planned credit-obligation workflows

WORKFLOW

  1. 01Obligation recordOn-chain obligation records
  2. 02Programmable conditionsAgreed conditions and related settlement events
  3. 03Eligible collateralCollateral connectivity
  4. 04Counterparty coordinationCounterparties organize terms and handoffs

WHO IT SERVES

Businesses, trade counterparties and authorized finance providers that need to document agreed deferred-payment obligations.

THE PROBLEM

Payment terms, conditions and supporting evidence are often spread across contracts, invoices and separate servicing records.

DAC’S ROLE

PNPL is a planned workflow for recording an obligation and its conditions and linking it to relevant records. DAC is not a lender. It does not approve credit, set eligibility or provide financing.

POTENTIAL USE CASES

01

Record commercial payment terms

Organize an agreed future payment amount, due conditions and counterparties in a digital workflow.

02

Track milestone-linked obligations

Map a payment obligation to contract milestones or delivery evidence where the parties and their advisers establish suitable terms.

03

Coordinate a settlement handoff

Connect an obligation record with a proposed payment or servicing workflow operated by the relevant authorized provider.

RELATED INFRASTRUCTURE

A planned obligation record with programmable conditions

DIGITIZED TRADE FINANCE · PLANNED

Digital Letter of Credit

Proposed trade-document workflows linking documentary conditions, review and settlement.

The Digital Letter of Credit concept is for importers, exporters and trade-finance teams coordinating documentary conditions, document presentation and payment handoffs. DAC’s proposed role is digital workflow and record infrastructure that can help organize the sequence. An actual letter of credit, bank undertaking, document decision and regulated trade-finance service must come from an appropriately authorized financial institution under confirmed arrangements. DAC does not issue letters of credit.

  • Letter-of-credit terms and records
  • Document presentation workflows
  • Obligation records
  • Settlement coordination
PLATFORM STATUSPLANNED

Digital trade finance infrastructure and letter-of-credit connectivity. Digital Assets Capital is not represented as issuing bank letters of credit.

DEPENDENCY
Issuing bank and trade-finance partners not confirmed
AVAILABILITY
Subject to jurisdiction, eligibility and applicable requirements
INSTITUTIONAL CONTROLS
  • Document Verification
  • Banking Connectivity
  • Trade Controls
  • Auditability

Subject to jurisdiction, eligibility and applicable requirements

Discuss Digital Letter of Credit
Digital Letter of Credit global trade finance and container shipping logistics

WORKFLOW

  1. 01Instrument and termsLetter-of-credit terms and records
  2. 02Documents presentedDocument presentation workflows
  3. 03Obligation recordedObligation records
  4. 04SettlementSettlement coordination

WHO IT SERVES

Importers, exporters, logistics teams and financial institutions reviewing documentary trade workflows.

THE PROBLEM

Trade conditions, supporting documents, review decisions and payment handoffs can pass between counterparties and institutions through separate paper and digital channels.

DAC’S ROLE

DAC’s proposed role is to organize digital trade records and document-presentation steps. An authorized bank or institution must issue any actual letter of credit, determine document compliance and provide regulated trade-finance services.

POTENTIAL USE CASES

01

Organize document presentation

Map document requirements, submission steps and responsible parties for a trade workflow.

02

Track review handoffs

Record when documents are presented and route status information among traders and participating institutions.

03

Coordinate a payment handoff

Document settlement instructions after the issuing institution has made its decision under the applicable letter and arrangements.

RELATED INFRASTRUCTURE

Trade documents, checking and proposed settlement coordination

Help Me Choose

DAC does not issue letters of credit or provide regulated trade-finance services. Any actual letter is issued by an appropriately authorized bank or institution under confirmed arrangements.

INSURANCE & DIGITAL COMMERCE

Insurance risk and digital commerce workflows.

These use cases connect with the payment and credit layers while remaining distinct from services operated by insurers, travel providers or merchants.

01

Insurance

DigiInsurance.Ai is designed to connect digital distribution, insurance products and technology infrastructure through partner-enabled capabilities. The designed connection is to the credit rail, collateral and servicing records, and from there to payment instructions and planned settlement. Coverage and underwriting would sit with a licensed insurer.

02

Digital Commerce

DigitalBooking.Ai is a digital commerce application designed to connect travel booking infrastructure with modern payment and financial technologies. It sits above the payment rail rather than inside it: booking, payment and settlement are three distinct concepts, not one live service.

Digital Assets Capital is not an insurance carrier or travel provider. Any coverage, underwriting, booking inventory and fulfillment come from the relevant authorized providers.

CONNECTED FINANCIAL INFRASTRUCTURE

Six connected layers across the asset lifecycle.

Asset records, markets, settlement, payments, credit and trade depend on one another. This model shows where each workflow fits and which platform pages explain it.

MARKETS

Digital capital markets where tokenized instruments are formed and traded.

RWA.winPrivateCredit.RWA.winGold.RWA.winEnergy.RWA.winStocks.RWA.winRealEstateExchange.Ai

01 / 06

The model describes connected infrastructure pathways, not services available in every market. Platform status, provider dependencies and jurisdictional availability are shown on each related page.

LET'S BUILD WHAT'S NEXT

The next generation starts with a conversation.

Bring an asset, market or integration question to Digital Assets Capital. The team can discuss the workflow, relevant platform status and the providers a potential next step would require.

EXPLORE THE DAC ECOSYSTEMTOKENIZE YOUR ASSETS