On-chain treasury & tokenization that sits over your core
A permissioned Tokenization Operating System and control layer over your existing rails — not a core replacement, not a public network, and never deposit custody. Mobilize treasury, collateral, and lending assets on compliant infrastructure, with cross-border rails and Islamic-finance support built in.
Overlay, not core replacementPermissioned & identity-gatedNever custodies depositsLive in 60–90 daysSEC-registered transfer agent
The problem
A plumbing problem — not a credit problem
Legacy treasury and collateral systems are slow, siloed, and expensive — often $20M+ to stand up, plus millions per added product. AKRU deploys as an API overlay around your core: a permissioned ledger and control layer that mobilizes assets you already hold, with compliance enforced before anything executes.
The product stack
Four products on one identity-gated ledger
Adopt incrementally — start with treasury, add collateral, asset mobility, and credit pools as you go. Every product sits on an identity layer with KYC/KYB on every entity.
01
TreasuryConnect™
On-chain treasury and settlement — virtual accounts, internal and partner funds, real-time visibility, with reconciliation replaced by a deterministic ledger.
Treasury & settlement
02
On-Chain Collateral & Repo
Pledge eligible assets, receive short-term liquidity, manage margin in real time, and substitute or release collateral instantly. Risk-reducing, not leverage-creating.
ALM / liquidity / risk
03
Small Asset Tokenization
Represent smaller loans and participations in a compliant, structured format — turning illiquid assets into mobile, flexible instruments.
Lending / participations
04
Tokenized Credit Pools
Bundle loans into permissioned pools distributable to approved institutions — lending growth beyond balance-sheet constraints, with servicing and relationships retained.
Capital markets
Identity Token + Wallet Registry — the trust layer beneath all four: KYC/KYB-gated credentials on every entity, with instant revoke and freeze.
Built for the region
Cross-border, multi-currency, and Sharia-ready
Cross-border & multi-currency
Native multi-currency treasury — capital movement, settlement, and reporting across currencies, with stablecoin rails where conventional fiat partners don't yet exist.
Islamic finance, by design
Asset-backed by architecture: structures that map onto ijara, musharakah, and mudarabah, tokenized sukuk as pledgeable collateral, and alignment with AAOIFI standards under your own independent Shariah governance.
Regulatory readiness
Designed for issuance across GCC frameworks — VARA, ADGM/FSRA, DIFC/DFSA, and QFC — with multi-jurisdiction compliance configured per venue.
Proof
Proven on US fund-administration deployments
60–90
days to live deployment as an overlay
549
investor positions migrated from a prior platform
$0.01
reconciliation standard — delivery blocked beyond a cent
90%+
transaction-cost reduction vs prior infrastructure
Questions Gulf institutions ask
Frequently asked questions
Does AKRU replace our core banking system?
No. AKRU deploys as a permissioned overlay around your core — an API-connected ledger and control layer. Your core, your member and customer systems, and your existing rails keep running exactly as they do today.
Does AKRU ever hold our deposits or assets?
No. AKRU never custodies deposits. The platform is a recordkeeping and control layer over assets that remain in your existing custody and settlement arrangements.
How does Shariah governance work on the platform?
AKRU provides the asset-backed structures — ijara, musharakah, mudarabah mappings and sukuk-as-collateral workflows — while Shariah supervision remains entirely with your own independent board. The platform aligns to AAOIFI standards; it does not substitute for your governance.
Mobilize the balance sheet you already have
A working session on how AKRU overlays your core — in your jurisdiction, under your governance.
