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Vision & Mission


Build resilient infrastructure, promote inclusive and sustainable industrialization and foster innovation

SDG #9 highlights the necessity of building infrastructure strong enough to facilitate inclusive and sustainable industrialization and innovation. ARYZE is building the tools to provide two billion people access to financial services, finally making finances inclusive and fostering every type of innovation worldwide.

Credit and Market Risk sdg9

From fractional to full reserve banking

Credit and Market Risk

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The problem...

In today’s financial world our core money is at risk when deposited in a financial institution.

Financial institutions take risk which, we have limited insights into, based on our deposits of money, which leaves our money at risk if a financial institution defaults unless the deposits are credit insured or government guaranteed.

Corporate deposits are generally not insured or guaranteed. 

Bank credit policies in turn often have positive or negative economic consequences beyond what is acceptable from a general national economic perspective.

Our solution...

ARYZE is moving money deposits and transactions away from traditional banking fractional lending systems to a full reserve platform where the vast majority of the funds are placed 1 to 1 in central bank assets.

This way, we create real tangible values in digital format with very limited credit risk. The funds are safe, easily movable domestically and internationally, based on the same credit principles no matter in what currency the funds are kept.

Keeping the funds backed up at all times combined with our next generation cloud native core banking solution and blockchain ledgers combines into a next generation system for payments, value storage and remittances, which are unsurpassed by any existing banking and payment systems existing today.

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Related material

Video featuring Morten Nielsen

An alternative to fractional-reserve banking is a system where banks are obligated to keep the full value of each depositors’ funds, ready for immediate withdrawal on demand.

Credit and Market Risk
Article by ARYZE

Stablecoins — Bridging the Gap

A stablecoin for the purpose of this article is a digital “I-Owe-You,” which represents a 100% identical underlying “real money” balance. Not 99% or 98%, but 100% or more.
Article by Carl Jenster

Stablecoins and the Era of Full Reserve Digital Banks

With modern technology, handling primary money in a non-leveraged fashion is possible because we can keep money safe using distributed ledgers, without engaging in fractional lending.
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