Compliant on-chain infrastructure for regulated finance
A Solana-native protocol that records and settles bank-issued financing instruments on a public ledger. Traditional instruments gain on-chain reach and a record anyone can verify — and, by design, every licensed activity sits with a regulated institution.
How it works
Four parties, each doing what it is built for. The instrument stays conventional; the ledger makes it visible and settles it.
- 01
The project
A revenue-generating project — infrastructure, energy, real estate — seeks long-term financing.
- 02
The institution
A regulated bank structures and issues a conventional financing instrument, verifies participants, holds the accounts and releases proceeds against attested milestones.
- 03
The investors
Investors subscribe to the instrument through the institution and provide the capital. The project’s own revenue repays them.
- 04
The protocol
Silver Bay’s protocol records and settles the instrument on a public ledger, giving every party one shared, verifiable record.
Every role in its place.
Tokenization changes how an instrument is recorded and settled — not what it is.
The model is built on that principle: structuring and issuing the instrument, verifying participants, holding client money and paying investors sit with regulated institutions. Silver Bay supplies the technology — it holds no client money, sells no instrument to investors and is never a counterparty to any instrument.
What the ledger adds
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One verifiable record
Issuance, holdings and settlement are recorded on a public ledger that institutions, investors and auditors can check — with identity data held off-chain.
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Capital against milestones
Proceeds reach the project as independently attested milestones are met, with each attestation on the record.
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Bank-agnostic
Designed to work with any regulated institution, chosen project by project.
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A wider pool of capital
A route, through regulated institutions, for on-chain capital to reach real-economy projects — alongside traditional investors.
Work with us
For banks and financial institutions, public bodies and partners who share our vision — let's look at what the infrastructure can carry for you.
Nothing on this page is an offer of securities or investment advice. Eligibility, terms and availability are determined by our partner institution and applicable law. Any figures are illustrative only and not a forecast, valuation or promise of return.