Commercial Banks
Unlock tokenized markets for your bank
Connect your bank to tokenized markets with Chainlink, enabling privacy-preserving interoperability, trusted data, and policy-controlled workflows for cross-border settlement, tokenized deposits, and tokenized collateral.
The operating layer for modern commercial banking
Keep systems aligned in real time
Reduce errors by synchronizing across treasury, payments, and digital asset operations with auditable records.
• Real-time confirmations and status updates
• Automated exception handling and reporting
• Unified audit trail across internal and external systems
Automate issuance-to-redemption workflows
Digitize product lifecycles so that instruments and cash legs update automatically as events occur.
• Tokenized commercial paper lifecycle (issuance, redemption)
• Programmable cashflows, maturity events, and notices
• Eligibility-controlled distribution and servicing
Move value with policy-controlled finality
Coordinate cash and asset legs across networks while preserving approvals, limits, and operational controls.
• Cross-border settlement and DvP/PvP
• Trade finance workflows tied to title transfer events
• Multi-network settlement without point-to-point builds
Embed compliance rules and operations Into transactions
Execute workflows only after required checks pass, with rules that can evolve over time.
• Identity, sanctions, and jurisdiction screening pre-execution
• Velocity limits and risk controls baked into flows
• Policy updates without rebuilding applications
Chainlink for commercial bank workflows
Confidential tokenized commercial paper for funding
Under MAS Project Guardian, ADDX, ANZ, and Chainlink piloted an end-to-end tokenized commercial paper workflow (issuance, subscription, settlement, and redemption) where an ANZ Australia-based investor transacted via ADDX. Settlement was orchestrated between the ADDX and ANZ private, permissioned blockchains while keeping transaction details confidential.
Programmable trade finance with DvP, PvP, and eBL
Banco Inter and Chainlink, with the Central Bank of Brazil (BCB) and Hong Kong Monetary Authority (HKMA), completed a cross-border, cross-chain trade finance experiment under Phase 2 of Brazil’s Drex initiative. It powered programmable DvP and cross-border PvP by connecting Drex and HKMA’s Ensemble network, synchronizing payment events with title-transfer for an electronic bill of lading (eBL) in a single workflow.
“As a key platform for our innovation strategy, the Digital Asset Lab enables us to pioneer next-generation solutions for our customers. With Chainlink Labs’ expertise in onchain finance, we are confident this partnership will drive new advancements in tokenisation and digital asset management, reinforcing Emirates NBD’s position as a regional leader in financial innovation.”
"The demonstrated cross-chain solution is a testament to what can be achieved through strong collaboration across diverse segments of the Web3 ecosystem, and we are pleased to have worked with Ondo and Chainlink to bring this to life as the first transaction on Ondo Chain testnet."
“We’re excited to drive financial innovation at ANZ by providing our clients with seamless access to tokenized assets through an easy-to-use platform. Chainlink CCIP played a key role in abstracting away the blockchain complexity of moving tokenized assets across different chains and ensuring atomic cross-chain DvP.”
"We have seen, in recent years, the beginning of a shift from discrete, individual experimental programmes to a wider cross-industry cooperation when it comes to blockchain usage… Contributing to this industry-wide initiative led by Chainlink is a great opportunity to identify how blockchain can be leveraged to improve corporate actions processing to the benefit of our clients."
"The future of corporate actions lies in intelligent, trust driven automation. Banks that harness AI and blockchain the fastest will transform market efficiency and value creation. Through this industry initiative, Zand is proving how innovation at scale can collapse timelines, eliminate friction, and unlock entirely new possibilities for global capital markets."
Research & insights
Interviews, reports, and real-world examples of how Chainlink powers commercial banks
Read our tokenization primer
