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Send & accept stablecoins
Move value on stablecoin rails — send and receive payments within the banking experience your customers already use.
Learn moreFor banks, credit unions & fintechs
Digital assets, inside the bank your customers already trust.
ELLAC gives banks, credit unions, and fintechs the technology and the expertise to offer stablecoin and digital-asset products — delivered within the banking experience they already run.
The platform
Four products. One integration.
Each capability appears inside your existing core and digital banking — no data duplication, no complex migration. Offer one, or build the full suite, on infrastructure designed for regulated institutions from the first line of code.
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Digital-asset accounts
Hold digital assets in accounts that live inside normal banking, sitting alongside everything else your customers hold.
Learn moreiii
Digital-asset lending
Originate dollar loans collateralized by your customers' crypto holdings — liquidity without forcing them to sell.
Learn moreiv
Tokenized deposits
Bring deposits on-chain as tokenized claims for faster, programmable settlement — without leaving the deposit franchise.
Learn moreWhy now
Stablecoins and digital assets are growing quickly. Offering them safely takes specialized technology and expertise most institutions don't have. We supply both.
Custodians
Exchanges
Stablecoin issuers
Core platforms
Digital banking
Cross-border payments
Money that moves at the speed of the internet — around the clock.
Using stablecoins and tokenized deposits, ELLAC opens round-the-clock, instant global payment rails. Corporate clients pay employees, contractors, and vendors internationally without waiting on banking hours, cut-off times, or long correspondent chains.
Retail clients send funds across borders faster and more cheaply — all from inside the bank they already use, with the controls and oversight a regulated institution expects.
- Global payroll & vendor payouts for corporate clients, settled in minutes rather than days.
- Faster, cheaper remittances for retail customers, without leaving your channels.
- Always-on settlement across weekends and holidays — the rails never close.
Why ELLAC
Embedded, not bolted on
Every product appears inside the banking experience your customers already use — no separate app, no detour.
Provider-agnostic, no lock-in
We integrate with every major custodian, exchange, and stablecoin provider, so you keep product flexibility and control.
Built for regulated institutions
Held to high standards for security, controls, and compliance from the outset — not retrofitted after launch.
Your bank. New rails.
Treasury management
Treasury that works continuously — not just at cut-off.
ELLAC helps your corporate clients optimize cash positions continuously while reducing settlement times, pre-funding, and reconciliation. Liquidity can move the moment it's needed, instead of waiting for the wire window to open.
Working capital stays productive, idle balances shrink, and operations teams spend far less time chasing breaks and matching records by hand.
- Less pre-funding — stop parking cash in advance just to keep payments flowing.
- Faster settlement — shorten the gap between instruction and finality.
- Cleaner reconciliation — programmable, traceable movements reduce manual matching.
Use cases
One platform, many programs.
Launch the programs that fit your institution today, and add more as you grow. Every use case runs on the same embedded integration and the same compliance-first foundation.
Popular
Cross-border payments
Instant, round-the-clock global rails for paying people and businesses anywhere.
Talk to usTreasury management
Continuous cash optimization with less pre-funding and reconciliation work.
Talk to usDigital-asset investing
Let clients invest in digital assets alongside their primary accounts.
Talk to usOn- & off-ramps
Move between dollars and digital assets in both directions, with compliance built in.
Talk to usStablecoin accounts & rails
Give fintech and payments clients stablecoin accounts and programmable rails.
Talk to usDigital-asset lending
Dollar loans collateralized by clients' digital-asset holdings, originated in-platform.
Talk to usOpen by design
Open to every major custodian, exchange, and stablecoin provider.
ELLAC is built to be provider-agnostic. We integrate with every major custodian, exchange, and stablecoin provider — so you keep product flexibility and avoid platform lock-in.
Choose the partners that fit your risk appetite and economics, combine them as your programs evolve, and change them without re-platforming. The integration layer is ours to maintain; the relationships and the brand stay yours.
Embedded, in your core
Inside the banking experience your customers already use.
Every ELLAC product is delivered through integration with your existing core and digital banking platforms. Digital-asset accounts, balances, and actions appear right where customers already bank.
There's no data duplication and no complex migration. Your brand stays front and center, your channels stay yours — and ELLAC stays behind the glass, doing the specialized work.
Good afternoonWelcome back, Riley
Everyday Checking USD
$48,920.16
Available balance
Digital Assets Stablecoin
$12,500.00
12,500 USDC · held in-core
Recent activity Live
Vendor payout · Lisbon
Stablecoin · settled in 38s
−$3,200.00USDC
Incoming transfer
Tokenized deposit · 24/7 rail
+$9,000.00USD
Asset-backed loan
Collateral: 0.5 BTC · healthy
$15,000.00drawn
By design
Built to a higher standard, from day one.
Compliance-first, not compliance-later.
Security
Engineered to high security standards from the first line of code — protecting funds, keys, and customer data.
Controls
Granular controls, limits, and oversight built for the realities of regulated operations and audit.
Compliance
Compliant on- and off-ramps and reporting designed in — so programs meet the bar regulators expect.
No lock-in
Provider-agnostic integrations keep you flexible, independent, and in control of your roadmap.
Frequently asked
Questions, answered.
A clear look at what ELLAC provides, how it fits your systems, and what it takes to launch.
ELLAC is the technology and the expertise that let banks, credit unions, and fintechs offer stablecoin and digital-asset products inside their existing banking experience. That includes sending and accepting stablecoins, digital-asset accounts held in normal banking, digital-asset-based lending — dollar loans collateralized by crypto holdings — and tokenized deposits. We supply the specialized capability so you don't have to build it yourself.
No. Every product is delivered through integration with your existing core and digital banking platforms, so digital-asset accounts, balances, and actions appear within the environment your customers already use. There's no separate app to download, no data duplication, and no complex migration — the new capabilities simply live alongside everything else they already hold with you.
ELLAC is provider-agnostic and integrates with every major custodian, exchange, and stablecoin provider. You choose the partners that fit your institution's risk appetite and economics, combine them as your programs evolve, and keep the flexibility to change them later — without re-platforming and without being locked into a single vendor.
Four core products, launched individually or together: send and accept stablecoins; digital-asset accounts held inside normal banking; digital-asset-based lending in the form of dollar loans collateralized by crypto holdings; and tokenized deposits. On top of these, you can stand up programs for cross-border payments, treasury management, digital-asset investing, compliant on- and off-ramps, and stablecoin accounts and rails for fintech and payments clients.
ELLAC is built to high standards for security, controls, and compliance from the outset — not retrofitted after launch. Compliant on- and off-ramps between dollars and digital assets are designed in, alongside the controls, limits, oversight, and reporting that regulated institutions are held to. The goal is to let you participate in digital assets while meeting the same bar your examiners already expect of you.
Banks, credit unions, and fintech and payments companies that want to add digital-asset capabilities — and grow deposits and non-interest income — without building the underlying technology and domain expertise themselves. ELLAC is for institutions that want to enter the digital-asset market while keeping these products inside their customers' familiar banking experience.
By offering the payments, accounts, treasury, investing, and lending products your customers increasingly expect, you keep balances and activity inside your institution instead of watching them migrate to outside platforms. Digital-asset accounts and stablecoin rails create new, fee-generating services, while embedded delivery means those balances stay on your books and strengthen the relationship.
A conversation about your core and digital banking platforms and the programs you'd like to launch. Because ELLAC integrates with the systems you already run — with no data duplication or complex migration — the path from interest to a live program is about choosing products and partners, not rebuilding your stack. Reach out and we'll map it to your environment.
Contact
Bring digital assets into your bank.
Tell us about your institution and the programs you'd like to offer. We'll show you how ELLAC fits inside the banking experience you already run — and what it would take to launch.