Programmable money for institutions.
The same protocol that lets an individual send $5 across a border for less than a cent runs the back office of a bank issuing a regulated stablecoin. Bantu is built so the institutional layer and the consumer layer are the same layer — same finality, same fees, same audit trail.
What institutions get on Bantu.
Multi-signature treasury accounts
Native multi-sig at the account level: set thresholds, add co-signers, require N-of-M for any spend. No smart contract risk. Vendor-grade for corporate, foundation, and government treasuries.
Instant on-chain settlement
Replace T+2 with T+0. Settle interbank, B2B, or cross-border transactions in 3–5 seconds against any asset class — fiat-pegged stablecoin, commodity-backed token, or your own issued asset.
Built-in regulatory primitives
Authorization-required assets enforce KYC at the trustline level. Freeze, revoke, and clawback flags handle regulatory mandates. AML/KYC integration via off-chain attestation.
Public ledger, private metadata
Every state change is immutable, replayable, and verifiable. Pair with off-chain attestation services to bring auditors, regulators, and counterparties into the same source of truth.
Sectors deploying on Bantu.
- Commercial banks issuing stablecoins
- Payment service providers settling cross-border
- Remittance corridors with sub-cent fees
- Trade-finance platforms tokenizing receivables
- Asset managers tokenizing funds and REITs
- Government bond issuance and CBDC pilots
- Healthcare records and conditional cash transfers
- Supply chain and FMCG provenance tracking