Banking & Capital Markets

Shadow ledgers, reconciliation automation, and evidence packs that align with CIRO/OSFI expectations.

Mirror CAD/USD flows with validator signatures so finance and operations see the same truth in real time.

Fewer day-two reconciliations; faster investigation of holds or returns.

Record intercompany cash movements with approvals and attestations to simplify regulatory reporting.

Clear provenance for treasury and finance controllers.

Immutable log of orders, allocations, and settlement confirmations, linked to off-chain details for privacy.

Audit-ready trail for disputes and regulator reviews.

Track AML/KYC checks, sanction filters, and approvals alongside the transaction hash.

Prove controls ran without storing PII on-chain.

Pilot successes (e.g., RBC shadow ledger, Verified.Me) prove permissioned ledgers work in Canada.
OSFI and CIRO expect traceability and evidence; blockchain logs reduce manual reconciliations.
Hybrid on/off-chain models satisfy privacy laws (LPRPDE, law 25) while preserving integrity.
Cost pressure: 20–30% operational savings targeted through automation and shared evidence.

Start with cross-border payments or intragroup flows—ship in 8–12 weeks with audit-ready evidence.