Keep deposit activity private
Limit visibility to the bank, approved participants, and the trusted operator.
Issue private and interoperable tokenized deposits
Tempo gives banks a private environment to issue tokenized deposits that settle 24/7. Deposits stay interoperable with stablecoins and deposits from other institutions.
Build compliance rules on chain
Apply roles, allowlists, blocklists, pauses, freezes, and burns.
Easily reconcile back to core systems
Attribute flows by customer, account, desk, or transaction reference.
Features
Run a private deposit rail with open network reach
Tempo Zones
Issue and transfer deposits inside a private environment.
Receive policies
Define which assets and senders an account can accept.
Structured memos
Link each payment to ISO 20022 transaction data for easier reconciliation.
Built-in compliance
Configure roles, allowlists, blocklists, freezes, and burns.
Virtual addresses
Re-build bank deposit architecture on chain
Stablecoin liquidity
Connect approved flows to stablecoins and onchain liquidity.
Use cases
Tokenized money for regulated workflows
Commercial deposits
Represent approved customer balances in a private environment.
Intragroup funding
Move funds between entities with shared records and policy.
Capital Markets settlement
Use bank-issued money for approved counterparty flows.
Programmable cash management
Pair deposit balances with receiving and transfer controls.
Speed to market
Tempo provides advisory and engineering support to get to market fast
Prioritize the right use case
Define the customer need and flow, model the economics, and map regulatory requirements.
Design and build the product
Shape the product and user experience, plan custody and liquidity, and build and integrate on Tempo.
Launch with the right partners
Connect issuers, ramps, custody, wallets, and payments, with Tempo engineers supporting launch.