The 4orm regulated control plane operates the perimeter inside which your bank can issue, trade, settle, custody, and report on tokenized real-world assets, without bolting anything onto your core. Built in Canada, for Canadian institutions first.
No big-bang migration required. A closed-loop pilot starts with one asset, one counterparty, and your existing core banking, and grows from there.
The platform operates the regulated perimeter inside which your bank can issue, trade, settle, custody, report, and supervise tokenized real-world assets. Every capability is embedded in the same ledger, governed by the same compliance engine, and audited by the same supervisory feed.
EMD-governed primary issuance. Suitability check, dealer approval, ERC-3643 mint with transfer rules embedded at genesis.
Permissioned marketplace. Eligibility check before order match. Institutional members only. Order book plus post-trade attestation.
Atomic DvP, T+0. Cash leg, token leg, custody confirmation and canonical write all atomic or none. No overnight float.
Qualified Canadian custodian. CIRO-aligned 4orm Trust Co. Attestation chain, reconciliation, exception handling.
FINTRAC, CSA, OSFI obligations auto-derived from the canonical ledger. Institution-led filing, machine-readable evidence.
Read-only feed to OSFI, CSA, FINTRAC, BoC, FSRA, AMF. Privacy-preserving aggregate. Never reads core banking.
4orm integrates with blockchain networks, interoperability providers, custodians, KYC vendors, and banking rails, but treats each one as a bounded integration domain under platform governance, not as an authoritative control. The canonical ledger of record, reconciliation, compliance enforcement, treasury governance, and supervisory auditability all remain inside 4orm. The platform owns the regulated operational core; the integrations are swappable.
This is the architectural separation that distinguishes shared institutional infrastructure from a walled garden or an open bridge, and it's the answer to "why won't a Tier-1 build this themselves."
Each of the eight mechanisms is a self-contained, clickable flow. Enter sample data, press run, and watch every step resolve in real time.
Manual onboarding, faxed confirmations and T+2 reconciliation collapse into one atomic, programmatic flow with a permanent record.
Finally watch what a transaction looks like on a blockchain rail versus the manual, multi-party process your operations team runs today.
Two clear tracks, so you always know whether you are learning or trying. Everything in CAD, grounded in how Canadian clearing and settlement actually work.
Institutional explainers: what tokenization is, where your bank sits, the tokenized deposit, and how you plug in, plus a one-page field guide to forward to your team.
Run a real institutional transaction end to end, watch the money move, and see what it saves your institution in time, cost and trapped liquidity.
The 186 Canadian institutions a shared-ledger marketplace can connect, the addressable network.
View the directory →Gold, real estate, private credit, resources and carbon credits are all moving on-chain. The projects creating them have nowhere regulated to offload and no bank-grade custody. 4orm is built to tokenize those assets, bring the projects onto a shared Canadian network, and connect them to banks for liquidity and qualified custody, so value stays liquid, and Canadian. See the marketplace bridge →
This is an education sandbox: identifiers, hashes and balances are simulated. The market facts and Canadian rules it illustrates are real and cited from the primary sources below. Detailed, page-specific citations appear on How It Works, What It Saves, and the Money Flows view.
Educational sandbox · figures illustrative · not financial advice.