The clearing system for tokenized money
Making tokenized money ubiquitous.
Backed by leading investors
Digital money moves instantly. Redeeming it does not.
Tokenized money; stablecoins and tokenized bank deposits; can cross borders in seconds. But converting it back to cash at full value requires a clearing system. Without one, every issuer must negotiate bilaterally with every receiving institution. The complexity scales geometrically. Ubyx collapses it: connect once, reach everyone.
The Redemption Gap
Hundreds of billions in tokenized money circulate globally, yet there is no universal mechanism to redeem it at par value through regulated institutions.
The Many-to-Many Problem
Multiple issuers, multiple blockchains, multiple receiving institutions. Without clearing, each connection must be built individually. The complexity scales geometrically.
The Collection Model
Ubyx operates a collection model, not a sale model. Participants deposit tokenized money for collection at par value, like cheque clearing, rather than selling into an exchange order book at variable prices.
How clearing works
Three steps. Any token. Any blockchain. Par value.
Deposit
A bank or fintech accepts tokenized money from its customer and submits a clearing request to the Ubyx network.
Clear
Ubyx validates the transaction, matches it with the appropriate issuer or liquidity provider, and coordinates settlement instructions.
Settle
The tokenized money is redeemed at par value. The receiving institution credits its customer in local currency. Settlement is final.
Latest
News & Insights
Barclays Makes Strategic Investment in Ubyx
Global banking giant Barclays invests in Ubyx, validating the clearing system for tokenized money and signalling institutional confidence in digital money infrastructure.
2026-01-05
Thought LeadershipCorporate Treasury in a World of Wallets
A new white paper from Ubyx, sponsored by Finmo, examines how digital wallets are poised to transform corporate treasury operations, with perspectives from Deutsche Bank, Commerzbank, SAP, Franklin Templeton, and Lloyds.
2025-11-01
PolicySeizing the Stablecoin Advantage: Open Letter to the UK Chancellor
Twenty-five industry leaders, including Ubyx, BitGo, Coinbase, GLEIF, Kraken, Quant, VanEck, and Zodia Custody, call on the UK government to adopt a national stablecoin strategy that positions Britain as a global hub for digital money.
2025-08-12
Ready to join the network?
Whether you are an issuer, receiving institution, or scaling partner, Ubyx provides the clearing infrastructure to make tokenized money work at scale.
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