Interbank Digital Asset Clearing Network

Tokenized Deposit Settlement Simulator

Model atomic interbank settlement, multilateral liquidity netting, and central bank reserve requirements across commercial banking consortiums.

Scenarios:

Consortium Parameters

6 Tier-1 Banks

Settlement Architecture Tokenized DvP enables instant 24/7 liquidity recycling

Origin Bank Beneficiary Bank

Amount (M CAD) Priority

Required Intraday Reserve Buffer 15%

Minimum collateral held at Central Bank against digital token mint

Simulation Clock Speed 1.0x

Active Settlement Mesh

Mesh Online • Real-Time

Network Liquidity: $9.80B

Velocity: 4.8x/day

Pending Queue: 0 Tx

Total Volume Settled $3,420M 24 interbank payments

Liquidity Savings vs RTGS 64.2% $1,540M freed collateral

Avg Settlement Latency 380 ms Instant atomic finality

Max Bilateral Exposure $95M Within Basel III limits

Bank Entity	Central Bank Reserve	Tokenized Deposits Minted	Net Multilateral Position	Buffer Health

Time	Tx ID	Debtor (Origin)	Creditor (Dest)	Amount (CAD)	Status	Settlement Route

System active. Ready for interbank settlement instructions.

How Bank-Led Tokenized Deposits Transform Interbank Clearing

Unlike public stablecoins issued by non-bank entities, tokenized deposits represent direct digital claims on commercial bank balance sheets. When Canada's six largest domestic systemically important banks (D-SIBs) transact across a shared distributed ledger, interbank settlement transitions from rigid, end-of-day gross batches into continuous, 24/7 atomic transfers.

Every digital dollar transferred between banks is backed 1:1 by commercial deposits and settled against central bank reserves via synchronized DvP (Delivery vs. Payment) smart contracts, reducing counterparty credit risk to zero during transit.

Legacy RTGS (Real-Time Gross)

Requires locking hundreds of millions in central bank collateral up front. Payments queue during intraday liquidity deficits.

Tokenized Deposit Network

Atomic continuous netting recycles cash velocity. Participants achieve 50–70% collateral reduction via peer netting loops.

Consortium Architecture & Liquidity Optimization

This simulator implements the Liquidity-Saving Mechanism (LSM) coupled with continuous atomic DvP algorithms:

1. Continuous Bilateral Offsetting: When Bank A owes Bank B $50M, and Bank B simultaneously owes Bank A $40M, the engine triggers an atomic bilateral offset, requiring only $10M of actual reserve movement.

2. Multilateral Netting Rings: If Bank A → Bank B → Bank C → Bank A form a closed obligation loop, the shared ledger resolves all three positions simultaneously in one block without draining external liquidity.

3. Intraday Stress Resilience: Regulators set reserve buffers (e.g. 15%). The network prevents token minting if a bank's unencumbered high-quality liquid assets (HQLA) fall below the regulatory corridor.