Unlock future financial products with tokenised deposits and stablecoins alongside your fiat accounts and transactions. Position your institution for the AED digital payment token framework - now fully in force under central bank PTSR.
The central bank's Payment Token Services Regulation (PTSR) transitional period ended 14 June 2025. The framework is now fully in force. Banks that build the infrastructure now will be positioned to issue and settle AED-backed digital payment tokens when the market demands it.
Issue tokenised representations of your bank's own deposits - the most regulatory-defensible form of digital money, fully within your existing banking licence framework.
Enable stablecoin-based payment settlement alongside traditional rails - on the same unified platform, with the same bank-owned ledger and full regulatory visibility.
Build the digital asset infrastructure now. Our orchestration platform is designed to hold fiat and digital assets side-by-side - positioning your bank for the next phase of the Middle East financial system.
The most defensible digital asset instrument for a licensed bank. Tokenised deposits are the bank's own liability - legally equivalent to a traditional deposit, issued on a distributed ledger.
Support approved stablecoin instruments alongside fiat on our orchestration platform's unified payment engine - enabling new payment use cases including cross-border settlement and merchant payments.
The institutions that build digital asset infrastructure before it is commercially mandatory will be best positioned to capture the deposit, settlement, and fee income opportunities as the Middle East digital asset market matures.
Central bank Circular 2/2024 (PTSR): transitional period ended 14 June 2025. The regulation is now fully in force and governs all third-party payment tokens and stablecoins in the UAE. It creates two instrument categories: Dirham Payment Tokens (full licence, bank-issued tokenised deposits) and Foreign Payment Tokens (registration, approved stablecoins). Our orchestration platform's Digital Assets solution is structured to support both pathways.