No prior crypto knowledge required. This walks a Canadian bank or credit union through what tokenization actually is, how the platform plugs into your existing core banking systems, the tokenized deposit, and what your team needs to know. The marketplace and order book are covered on the Marketplace page.
JPMorgan's Onyx / Kinexys runs tokenized deposits and atomic settlement for Tier-1 institutions today, but it's proprietary, single-bank infrastructure. 4orm is designed as the neutral, shared version: one compliance-first rail many Canadian banks and credit unions can plug into, instead of each building their own.
Pick a flow below. Each diagram is fully interactive — restart the animation, open the index of every colour and shape, drill into the detail. Click between tabs to compare how settlement works today, what RTR brings, what 4orm composes, and what an on-us transfer looks like inside one bank.
T+0 to T+2 institutional trade. Five ledgers, six downstream systems, four daily release windows. SWIFT messages flying, overnight wall, manual repair loops, penalty accrual. This is the rail today.
The diagram above shows what changes at the rail level. The institutional demo walks the same flow tailored to your institution's profile, so your treasurer, risk lead, and CCO can see the dollar impact, the integration shape, and the regulatory posture in their own context.
See it tailored to your institution ↗The first question every banker asks is "do we have to run a blockchain?" The answer is no. 4orm keeps the regulated control with the institution; the blockchain is only an execution surface underneath. You stay in the world you already operate in.
All the regulated functions stay inside the institutional control plane. The chain is swappable plumbing, which is exactly how Citi and JPMorgan deliver this: through familiar channels, with the blockchain complexity hidden.2
Six capabilities, each framed by the problem it removes. A bank can start with one and grow into the rest on a single compliance-first rail.
Atomic T+0 settlement. Asset and cash move together or neither moves: DvP on a single rail.1
A regulated on-ledger claim issued by the bank itself. Inside the regulated perimeter, can pay interest, risk-officer approvable.
Native issuance: mint the token and the authoritative registry record together. Compliance rules built in at issuance.
Programmable tokenized collateral — mobilized, substituted, released in real time. No more locked-up overnight.
A connected order book of verified Canadian members. Real exits, not just minting. See Marketplace.
Digital trust + estate holdings on a shared ledger. Survives institution boundaries. Probate and transfer become programmatic.
All six integrate with your existing core banking, treasury and custody systems via ISO 20022 (the global financial messaging standard) and REST APIs, keeping deployment risk low.
The single biggest blocker to adoption is workforce comfort, not technology. The 4orm Academy walks your team through it → Below: the version to share with a colleague who has never touched crypto.
This page is an educational explainer. Mechanics are illustrated with simulated data, but the precedents and Canadian building blocks it describes are real and cited below. Field observations are drawn from 4orm's own conversations with Canadian regional banks and credit unions and are presented in anonymized, paraphrased form.
Educational resource · figures illustrative · not financial advice.
The 4orm regulated control plane is the perimeter inside which your bank issues, trades, settles, custodies, and reports on tokenized real-world assets. The waitlist is how we line up early Canadian institutions for the first cohort of pilots.