HOW TO READ IT

Turn the page.

This brochure opens like paper.

  1. Click the coverOr any right-hand page to go forward. The left-hand page takes you back.
  2. Use the arrow keys← and → on your keyboard.
  3. SwipeOn a phone, a tablet or a trackpad.
NORDIC FINTECH WEEK 2026
SETTLEMENT LAYER FOR FINANCIAL INSTITUTIONS

Infrastructure as a Servicefor The Blockchain Era

Connected to existing core systems

This is the reading version. On a computer the flows run, and you can try them yourself.

01 / 15
02 · THE PROBLEM

The cost of building, or the cost of waiting.

Legacy core systems were never built to hold or settle digital assets.

Building that capability in-house is a multi-million, multi-year commitment.

Standing still is not free either: payments in digital assets are growing, and clients are finding faster, cheaper routes.

WHY MOST BANKS HOLD BACK
01
Which network, which standard.

Uncertainty over which networks and standards to commit to.

02
Obsolete before it pays off.

Risk of investing in infrastructure that is obsolete before it delivers a return.

03
No team, no budget.

Limited in-house expertise, with no budget allocated to build it.

04
No appetite for custody.

Unwillingness to take on custody of digital assets, or to run the wallets and keys behind them.

05
A landscape still moving.

A landscape still maturing, in technology and regulation.

02 / 15
03 · WHAT IS ARYZE?

With Aryze, you don’t have to choose.

The core you already run stays as it is. The layer beside it does the holding and the settling.

There is nothing to build in-house. The capability arrives as a service and runs from day one.

Your clients get the faster, cheaper routes they are looking for, through your bank rather than around it.

01
Act now, not in two years.

The layer deploys on top of the bank’s existing core and runs today.

02
No heavy build.

Delivered as a service. No multi-million project, no new department.

03
No lock-in.

One integration adapts as networks and standards change.

04
The bank owns the full value chain.

Client, pricing, conversion and settlement stay inside the bank.

03 / 15
04 · THE STACK

One programmable settlement stack.

Hardwired for a changing landscape.

FAST TO DEPLOY

It connects through APIs, and nothing in the core changes.

MODULAR AND AGNOSTIC

It works with any core, any network and any token.

ATOMIC SETTLEMENT

Screening, price and conversion happen in one motion; if any step fails, nothing moves.

WALLETLESS

Conversion is mint-and-burn, so nothing crosses the bank’s balance sheet.

THE TWELVE PARTS
Onboarding & identity
Pricing & FX
Value movement
Custody & execution
Settlement & ledger
TAP A PART · IT MOVES INTO THE LAYER IN YOUR BANK
04 / 15
05 · INSIDE YOUR BANK

Your bank, with the layer attached.

The layer sits between the outside world and your core. Nothing below it is replaced.

OUTSIDE THE BANKA CLIENT’S WALLET · A NETWORK’S COIN
ANY CHAIN, ANY TOKEN
ARYZE LAYER0
TAP A PART · IT LANDS HERE
ONE API · ORDINARY DEBITS AND CREDITS
YOUR BANKUNCHANGED
NetbankWHAT THE CLIENT SEES
Core ledgerPOSTINGS
AccountsBALANCES
Payment hubRAILS
Screening & auditCONTROLS
TreasuryPOSITIONS
CORRESPONDENTS · DOMESTIC RAILS · CARD SCHEMES · ALL UNCHANGED
05 / 15
06 · WALLETLESS SETTLEMENT

Receive digital assets as an ordinary deposit.

Walletless means the bank never holds a wallet, keys or the asset. No digital asset handling at all.

One incoming payment, converted on arrival and credited in local currency, in one motion.

Nordvik Trading A/STHE CLIENT’S OWN APP
SEND TOYour krone accountDK00 0000 0000 4417
AMOUNTUSDC

 

06 / 15
FOR THE BANK
Own the entire value chain: the client, the pricing, the conversion and the settlement stay in the bank, not an exchange. The deposit lands as an ordinary credit, and the core stays unchanged.
FOR THE CLIENT
Paid in stablecoins, credited in kroner to the account they already have, in less than a second.
KRONE ACCOUNT10,000.00DK00 0000 0000 4417 · DKK
NEW PAYMENT
RECENT ACTIVITY
07 / 15
07 · CROSS-BORDER PAYMENTS

Settle across borders in seconds, any day.

A settlement layer between two banks, fiat on both sides.

This layer is for the payments that take days and stop for nights and weekends.

08 / 15
CHOOSE A CORRIDOR
BANK

It sets the price and stays the settlement principal on its own licence.

09 / 15
08 · BLOCKCHAIN CONNECTOR

Plug your core into any digital asset consortium.

10 / 15

The connector links the network to the bank’s own ledger, so the membership reaches the accounts.

BANK
A direct, network agnostic connection to any external blockchain. Nothing in the core changes.
CUSTOMER
An ordinary entry in the netbank, available 24/7.
11 / 15
09 · HOW WE COMPARE

How we compare.

✓ PART OF WHAT THEY OFFER− NOT PART OF WHAT THEY OFFER
AryzeFireblocksTaurusBridge · Stripe
Accept stablecoin paymentsA CLIENT IS PAID IN DIGITAL ASSETS✓✓✓✓
Cross-border settlementVALUE BETWEEN TWO INSTITUTIONS✓−−✓
Currency conversionBETWEEN CURRENCIES AND DIGITAL ASSETS✓✓✓✓
Tokenised moneyA TOKEN OF YOUR OWN, ONE TO ONE✓✓✓−
One view of every transactionREPORTING AND RECONCILIATION✓✓✓✓
Runs under the bank’s own licenceTHE FLOW, END TO END✓−−−
12 / 15
10 · WHO WE ARE

Born in Denmark, built for the world.

2017
Founded in Copenhagen
2020-2023
The infrastructure years
2024-2025
Operational live projects
2026
Commercial partner launch and infrastructure for financial institutions
PROJECTS
A neobank in CanadaPayments infrastructure, built on the settlement layer.SIGNED · IN BUILD
SYNC, out of SingaporeDigital asset infrastructure inside a secure communications platform.ANNOUNCED · SEPTEMBER 2026
Cross-border paymentsSettlement between two institutions, fiat on both sides.SIGNED
Cross-network conversionValue moved from one network to another in one motion.DELIVERED
TRUSTED BY
Grant ThorntonsoftstackMastercard
13 / 15
11 · NEXT STEP

Run a full use case end to end, before you decide anything.

DIGITAL ASSET ENGAGEMENT PLAN
1SCOPE

Establish scope, requirements and readiness.

  • Define the use case (stablecoin issuance, tokenised deposits, custody, settlement)
  • Map the applicable regulatory requirements (MiCA, AML/KYC, capital)
  • Assess technical and operational readiness
  • Agree objectives, timeline and budget
2RUN

Build and operate the solution.

  • Set up the technical infrastructure and integrations
  • Implement compliance and controls
  • Run a pilot with limited scope and real transactions
  • Train the bank’s team
3REVIEW

Measure results and decide next steps.

  • Evaluate performance against the goals set in Scope
  • Report on risk, cost and compliance
  • Document lessons learned
  • Recommend: scale, adjust or stop
14 / 15
12 · CONTACT

Implement the Aryze layer
on your core.

Aryze builds the settlement layer that runs on the bank’s own core.

WRITE TO US

Fill in the form and we get back to you.

THE REST OF THE STORYaryze.io
Simon Fasdal
Simon FasdalChief Executive Officersif@aryze.io
Jack Nikogosian
Jack NikogosianFounder & Head of Innovationjn@aryze.io
Jodi Usama Husain
Jodi Usama HusainFounder & Chief Technology Officerju@aryze.io
Rabii Esteitie
Rabii EsteitieSales & Marketing Directorrae@aryze.io
Gabriel Franciscovich
Gabriel FranciscovichBusiness Developmentgaf@aryze.io
THE SETTLEMENT LAYER
ON YOUR OWN CORE
15 / 15
Aryze, since 2017
FRONT COVER