Issue, accept, convert or manage Digital Cash without replacing your core.

Work with stablecoins, digital assets and different types of 'smart money' under your own brand. Choose the capabilities you need, with technology built around your existing systems, licences and customer relationships.

Talk to us See a supplier payment

A banking professional working in Copenhagen

Your customer pays euros; their supplier receives pounds.

Your customers pay suppliers abroad through the banking app they already use. Aryze connects currency conversion and payout, then returns the payment status and records to your systems.

Start with eurosFunding is confirmed in the agreed account.EUR 5.00
Connect the stepsDigital Cash is issued and converted where the arrangement requires it.EUR 5.00 to GBP 4.27
Pay out poundsThe supplier’s bank account is credited in pounds.GBP 4.27
Return the recordPayment status and reconciliation come back together.Booked

How it works

Digital Cash

Start with the one your customers ask for, then add the others when you need them.

Issue and redeemIssue tokenised deposits, stablecoins or other Digital Cash under your own brand, and redeem them on request.
Your Digital CashDemo
New Co USD250,000.00
Bank A USD180,000.00
Bank B EUR120,000.00
IssueRedeem
Like PayPal and Western Union, issue Digital Cash under your own brand.
FXConvert between supported tokens, or between tokens and bank money, so your Digital Cash works with other stablecoins.
ConvertDemo
From
Bank A USD1,000.00
To
Bank B EUR token
EUR bank account
Token or bank money.

Hold and manage

Manage balances, backing and records around your chosen custody and key-management setup.

Merchant payments

Pay by BankMerchants and businesses get paid straight from their customers’ bank accounts, with the payment status back in their systems.Approved in the payer’s own bank appPayment status straight back to the merchant’s systemsTested by Aryze in the UK with real payments

Offer account funding and payment links under your own licence.

Aryze can integrate Pay by Bank into your bank or EMI’s own app and account systems.

Fund an account
Let customers add money from another bank to their account with you.
Share a payment link
Let customers share a link so someone else can pay into their account.

Collection, currency conversion and account crediting are agreed for each integration, with the required permissions and providers.

More about Pay by Bank

One journey. More ways to move money.

Let customers deposit and withdraw, or share a link so someone else can pay them, by bank payment or with supported digital assets. Aryze integrates the journey into your app.

Pay by BankFund an account from another bank, or pay by link. Works on its own, without crypto.
Accept smart moneyStablecoins, bitcoin and other supported tokens, in the same journey.

Bank payments run under your or a partner’s permissions; crypto runs through a licensed crypto-asset service provider. Assets, directions and routes are agreed for each integration.

Offer Digital Cash under your own licence and brand.

Whatever licence you hold, Aryze helps you use it to the full. Want to offer something it doesn't cover? We plug you into a provider that can.

Your institution
- Your licence, and the regulated steps it covers
- Your customers, accounts and core systems
- Your brand and your app
- Responsibility for customer funds and reserves, with the custody setup you choose
Aryze
- Technology to issue, redeem, convert and manage Digital Cash
- Built around your existing core, not a replacement for it
- Secures each record and coordinates settlement on a shared ledger
- Does not hold the funds

Aryze ApS is a technology company in Copenhagen. It is not a bank, payment institution or e-money institution. Company and regulation

Settle between banks, or between your own entities, in seconds instead of days.

The same payment, three routes. Through partner banks, it can take days. Build it yourself, and your team becomes the glue between providers. With Aryze, the pieces work as one: once your route is agreed, settlement between the banks takes seconds, with less complexity for your team.

Today, through partner banks2 daysfrom sent to creditedMoney waits in pre-funded accounts at partner banks
1. Your bankMon 10:00 sent
2. Correspondent bankMon 16:00 cut-off
3. Partner bankTue 11:20
4. Their bankWed 14:30 credited
Crypto, done yourselfSeparate providersto set up and manageYour team brings the pieces together
1. Your banksends euros out
2. Crypto brokeraccount and checks
3. Custodywallets and keys
4. The chainfees and bridges
5. Exchangeconvert, FX risk
6. Their bankcash out, reconcile
With Aryze6 secondsfrom sent to creditedFinal on arrival
1. Your bankMon 10:00:00 sent
2. AryzeSettlement on a shared ledgerOn the chain your solution needs
3. Their bankMon 10:00:06 final

Their bank just sees the final payment. Everything behind it is taken care of.

Your bank books the final payment in its own system, with its own reference. Wallets, settlement, conversion and records run in the background, in the setup you choose.

Incoming paymentFinal

€250,000.00

From: Havnefront Shipping ApS
Credited: Mon 10:00:06
Reference: INV-2041

Under the hoodChain-agnostic by design. Built around your bank.

Wallets and keys
Tokenised settlement
Currency conversion
Deposits and withdrawals
Fees and confirmations
Audit trail of every step

Run as much of it as you want.

Go fully managed, bring your own key management, or run MoneyOS on your own infrastructure. Your customers stay with you either way.

Your institutionMoneyOSin your data centre or private cloudKeys and approvalsYou or a licensed custodianYour institution decidesYour choice of setupSettlement and conversionAryzeAryzeOn your infrastructureRecordsAryzeAryzeOn your infrastructureTheir bank

Aryze runs it: you receive the final payments. Aryze runs the technology.Keys on your terms: your institution decides how keys are held and how transactions are approved.You run it: MoneyOS runs in your data centre or private cloud. Aryze maintains the software.

Point at or tap an option to see who runs each part.

Aryze runs it
Fully managed
You receive final payments
Aryze runs the technology around your requirements. You receive final payments without running the infrastructure.
Keys on your terms
Built around your controls
You set the controls
Your institution decides how keys are held and how transactions are approved. Aryze handles settlement, conversion and records around your controls.
You run it
On your premises or private cloud
You stay in control
Run MoneyOS in your data centre or private cloud, with Aryze maintaining and updating the software.