01
The law arrived
The GENIUS Act created a federal framework for payment stablecoins in 2025. The FDIC and OCC are standing up application procedures now, ahead of full implementation in 2027.
Regulatory clarity Stablecoin & tokenized-deposit engineering
Your bank.
Your stablecoin.
Your code.
We design and build fully-reserved, examiner-ready stablecoin and tokenized-deposit systems for community banks, credit unions, and enterprise treasuries — integrated with your core, certified by an independent auditor, and owned outright by you.
- Compliance enforced on-chain
- 1:1 reserve-backed by design
- Independently audited, every time
Built on the infrastructure your examiners already trust
FISFiservJack HenryOpenZeppelinChainalysisTRM Labs
The moment
The rails changed. Your deposits noticed.
For the first time, a regulated institution has a legal path to issue digital dollars — and a real reason to. Three forces are converging at once.
02
Deposits are mobile
Commercial clients want 24/7 programmable settlement. When they can't get it from you, they move balances to money-center banks and fintech-issued stablecoins — taking your low-cost funding with them.
Disintermediation risk03
The majors are moving
JPMorgan, Citi, BofA and Wells are building a shared tokenized-deposit network for 2027. The largest banks won't wait. Neither can the other ~9,000 institutions.
Competitive pressureThe thesis is simple. Issuing your own digital dollar keeps balances on your balance sheet while giving clients the modern rails they're asking for. The biggest banks build this in-house. Everyone else needs a partner who can do it without turning the institution into a tenant on someone else's platform. That's the gap we fill.
What we build
One system. Five layers. Zero shortcuts.
Writing an ERC-20 is trivial. Making it fully-reserved, compliant, recoverable, examiner-ready, and wired into a 30-year-old core banking system is the actual work. We build all five layers — and the controls are the architecture.
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1
The token contract
Mint, burn, transfer, freeze, seize — built on audited OpenZeppelin standards, never from scratch. This is the on-chain core.
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2
Access control
Treasury mints. Compliance freezes. Customers transfer only to verified peers. Separation of duties enforced by role — no single key holds all power.
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3
Compliance & KYC
An on-chain allowlist fed by your KYC system, with Chainalysis or TRM screening. A non-whitelisted address simply cannot receive tokens. PII never touches the chain.
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4
Reserve & attestation
Continuous reconciliation guarantees circulating supply never exceeds reserves, with a third-party attestation feed your examiner can rely on.
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5
Core integration
Idempotent deposit-to-mint and redeem-to-deposit flows wired into your existing core. The genuinely hard, unglamorous engineering — done right.
Compliance is architecture, not a feature. Allowlist enforcement, the seize capability, audit events, reserve reconciliation — these aren't add-ons. They are the reason a regulated institution can deploy the system at all. We build them in from the first line of code.
Pick the right instrument
Stablecoin or tokenized deposit?
They look similar on-chain and share most of the same engineering. The difference is balance-sheet treatment, regulatory posture, and how your examiner thinks about it. We help you choose before a line of code is written — and the architecture supports either.
Payment stablecoin
A USD-pegged token issued under the GENIUS framework, backed 1:1 by liquid reserves.
- Familiar to crypto-native counterparties
- Portable to public chains in a later phase
- Reserves in T-bills & cash, attested regularly
- Issued via subsidiary; sits beside the deposit base
Tokenized deposit
An on-chain representation of an actual bank deposit — programmable money that stays on your balance sheet.
- Keeps balances on the balance sheet
- Defensive against deposit flight
- Settles within your regulatory perimeter
- Aligns with the major-bank network direction
The instrument is a business and legal decision — your counsel and regulators own it. Our job is to make sure the technical architecture serves whichever you choose, and to surface the trade-offs honestly in discovery.
Why American Block Solutions
Build and own. Don't rent.
Most options ask you to issue on someone else's platform — their brand under yours, their stack, their roadmap, their pricing power over your money supply. We're the alternative: an engineering firm that builds the system into your institution and hands you the keys.
You own what we build
Full source code in your repository. Architecture docs, the audit report, the complete test suite, and runbooks. The test of success: your team operates it without calling us.
The audit trail is the deliverable
Every privileged action emits an event tied to a reference. Every reconciliation is logged. When the examiner arrives, you demonstrate complete control and oversight. That demonstrability is much of what we're actually selling.
We do the hard part
The token is the easy 15%. Idempotent core integration, reserve reconciliation, failure handling, and compliance controls are the real work — and the rarest skill set in the market. We sit at the intersection of contract security, bank integration, and compliance.
Two lines we never cross
01
Legal stays with your counsel
Reserve structure, licensing, and whether your institution may issue at all are decisions for your counsel, compliance team, and regulators. We build the system; we never substitute for legal advice. It's in every engagement, in writing.
02
We never self-certify
No contract we write reaches production without an independent third-party security audit. We write audit-ready code; a reputable external firm certifies it. Non-negotiable — it protects you and us.
How we work
A laddered engagement that de-risks every step
You don't sign up for a money-supply system on day one. You start with a small, fixed-fee commitment, prove the path, and only scale when the system has earned it.
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1
Feasibility Sprint
Discovery with your executive sponsor, compliance lead, and IT lead. Stablecoin-vs-deposit recommendation, target architecture, core-integration assessment, and a costed roadmap. You leave with a signed-off requirements document — useful even if you stop here.
Deliverable: requirements + architecture brief + roadmap -
2
Pilot Build
A working system on a private permissioned chain: token contract, role separation, on-chain compliance, reserve reconciliation, and a core integration against your test environment. A full lifecycle dry-run — allowlist, mint, transfer, freeze, seize, redeem — with your ops team watching.
Deliverable: audited-ready pilot + test suite + dry-run -
3
Production Deployment
Independent security audit, full remediation, multi-sig and timelock on every privileged role, sanctions screening live, monitoring feeding your AML workflow. Controlled launch with a pilot customer group and capped limits, then scale as it proves stable.
Deliverable: audited, live system + examiner trail -
4
Operate & Transfer
Runbooks for every scenario, 8–16 hours of training across treasury, compliance, IT, and ops, and a 90-day support window. After that, support transitions to a retainer — or to your own team. You own the code either way.
Deliverable: runbooks + training + knowledge transfer
Who we serve
Built for the institutions the platforms overlook
Community & regional banks
$1B–$25B in assets, with commercial depositors who need faster settlement than ACH and cheaper cross-border than wire. Keep their balances yours.
Credit unions
Member-owned institutions defending their deposit base — individually, or as a consortium sharing a settlement network on permissioned infrastructure.
Enterprise treasury
Corporates that want instant internal settlement across subsidiaries and vetted counterparties, with full control and a clean audit trail.
Consortia & networks
Groups of institutions forming a shared settlement layer, where permissioned architecture and private channels fit better than a public chain.
Straight answers
The questions every board asks
Aren't we better off just using USDC or a platform issuer?
You can — but then the digital dollar your customers hold isn't yours. The deposits leave your balance sheet, the brand and roadmap belong to the issuer, and you're a distributor on someone else's rails. We exist for institutions that want to own the instrument, the code, and the customer relationship.
Do you handle the legal and regulatory approvals?
No, and you should be wary of any vendor who says they do. Reserve structure, licensing, and the legal opinion on whether you may issue are decisions for your counsel, compliance team, and regulators. We build the technical system and the examiner-ready audit trail that supports their work — and we keep that boundary explicit in every engagement.
How do we know the contracts are safe?
We never self-certify. Every contract goes to an independent, reputable third-party security audit before production, with all findings remediated. We build on audited OpenZeppelin standards, test to 100% coverage with invariant and fuzz testing, and deliver the full audit package as part of the engagement.
What about freezing, sanctions, and recovering tokens?
Built in from the start. A separate compliance multi-sig can freeze addresses and seize tokens under court order or sanctions, every action emits an audit event with a reason, and sanctions screening (Chainalysis or TRM) runs before allowlisting and continuously after. Compliance is enforced on-chain, not just in the app.
Will this actually integrate with our core?
That's the hard part, and it's our specialty. We build idempotent, reconciling integrations against FIS, Fiserv, and Jack Henry — with retry logic and failure handling so a network blip never causes a double-mint or a mint without reserves. We assume the core is integration-hostile and engineer for it.
What happens when you leave?
You keep running. Knowledge transfer is the deliverable: full source in your repo, architecture docs, runbooks for every scenario, and live training for your teams. Success is your staff onboarding a customer, processing a mint and redemption, freezing an account, and handling a reconciliation exception without calling us.
Find out what it takes — in three weeks, for a fixed fee.
A Feasibility Sprint gives your board a clear answer: the right instrument, a target architecture, a core-integration assessment, and a costed roadmap. Start there. Scale only when it's earned.
- No platform lock-in — you own everything we build
- Independent audit on every production system
- Legal boundary kept crisp, in writing
Book a feasibility call
hello@americanblocksolutions.com
We'll reply within one business day to schedule a 30-minute scoping conversation.