Stablecoin & Tokenized Deposit Strategy
Turn digital-dollar pilots into compliant, production money movement.
A federal framework for payment stablecoins is now taking shape, and for most institutions the question has shifted from whether to engage to how. Stablecoins and tokenized deposits promise faster settlement, cheaper cross-border flows, and programmable money, but they also raise real questions about licensing, reserves, custody, and deposit impact. Luminary helps you move deliberately, with the commercial upside and the regulatory reality handled together.
Licensing and structure
Map issuer licensing and permitted-issuer pathways under the new U.S. stablecoin framework, and weigh direct issuance against partnering.
Reserves and custody
Design reserve, custody, and attestation models that meet supervisory expectations.
Tokenized deposits
Evaluate tokenized deposits as a bank-friendly path to on-chain settlement that preserves your deposit base.
Use cases
Prioritize cross-border, B2B, and treasury settlement use cases, with liquidity and operational design.