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Working summary, tailored to your institution. Illustrative model, CAD. Benchmarks from public Canadian sources. Not financial advice.
Printable institutional summary · share with your CRO, CFO, or treasurer

The one-pager. For your CRO, CFO, and risk committee.

Pick your institution. We compute the annual upside the model produces for an institution of your size, then map exactly how 4orm deploys inside your bank without disturbing your core. Print it, share it, take it to the committee.

Pick your institution
Pick an institution above to generate your tailored summary.

The numbers below adapt to the institution you choose: annual savings across the five drivers, staff hours reclaimed, trapped liquidity freed, and a deployment plan sized for your tier.

Your modelled annual upside

Working summary for your institution

For an institution of this tier, modelled at the activity volume the size profile implies. Tune the underlying inputs on the What It Saves page.

$
C$0
Modelled combined annual saving
vs the modelled legacy cost on the same activity
⏱
0 hrs
Staff time reclaimed each year
across compliance and operations
⚡
C$0
Peak trapped liquidity freed
at any given moment, settlement-window funding
⟳
T+0
Settlement window, atomic DvP
vs T+1 to T+2 deferred-net today
0
Annual cross-bank payment volume modelled (count, both sides)
C$0
Annual notional value transacted at modelled rate
C$0
Cumulative 5-year saving at the modelled run-rate (illustrative)
Where the savings come from

Five drivers. Each tied to a specific change 4orm makes inside the rail.

The headline number is not one thing, it is five. Ordered from the most defensible (trapped liquidity, mathematical) to the most adoption-dependent (KYC reuse, scales with the network).

1. Trapped liquidity freed

C$0

Idle prefunding 1-2 days at modelled cost-of-funds. Atomic T+0 DvP removes ~95% of settlement float.

2. Correspondent fees

C$0

C$0.15-0.25 per cross-bank payment, zero on 4orm. 100% removal on on-platform flows.

3. Compliance labour

C$0

Rail-level canonical sanctions check cuts the manual disposition tail ~45%, not the auto-screening layer.

4. Reconciliation labour

C$0

Same on-ledger record on both sides means fewer breaks. Honest removal 55%, not 95%.

5. KYC duplication

C$0

Shared signed credential replaces per-institution KYC. Scales with network adoption.

What these savings preserve, and what they enable

The same controls, at a fraction of the labour, and a path to the next decade.

The model produces savings without losing any of the controls your CAMLO and CFO require. The same supply integrity, the same ownership traceability, the same supervisory auditability, the same regulated payout governance, just at a fraction of the manual work.

100%

Core banking retained

4orm sits beside your core, not in it. No ledger migration, no system-of-record replacement.

0

Custody changes

Underlying assets stay with your qualified Canadian custodian of choice. Provider-neutral.

3

Months to pilot

Sandbox-stage end-to-end in 8-12 weeks. Full institutional pilot pathway in 6-12 months.

C$16T

Tokenized opportunity by 2030

BCG and Bank of Canada both project this scale. Being on the rail before then is the option value.

How to work with 4orm inside your bank

Six steps. None of them touch your core.

01

Keep your core banking

4orm sits beside your core, not in it. No ledger migration, no replacement of any system of record.

02

Connect through ISO 20022 / REST

Your treasury, payments and reporting teams use familiar message formats and standard endpoints.

03

Custody with a Canadian trust co

Underlying assets stay where your regulator expects them. 4orm is provider-neutral on custody.

04

Settle in a regulated CAD asset

Tokenized bank deposit or regulated CAD stablecoin for atomic DvP. Settlement does not leave the banking system.

05

Supervisory feed: read-only, one-way

Aggregate metrics flow to your supervisor. STR / LCTR / EFTR detail flows from you, on your instruction, as today.

06

Pilot in the sandbox first

End-to-end KYC, AML, tokenization, trade, attestation, settlement, audit, regulatory report, all before any production change.

The sandbox program for your team

Your team runs a tokenized transaction end-to-end. No live blockchain, no real assets, no real customer data.

Mechanics and receipts mirror what production will look like. Risk and compliance teams can see exactly what regulators see, and exactly what they don't.

1Eight-step lifecycle, click through manually or run the whole flow automatically
2Three preset scenarios sized for community banks, credit unions, and Schedule I banks
3Append-only audit trail with hashes your team can copy and verify
4Per-step compliance receipts (KYC credential, AML score, attestation)
5One-click compliance report at the end, ready to hand to a regulator
6Real settlement mechanics: DvP atomic match, canonical registry write, supervisory feed
Open the sandbox →

Want to walk through this with your CRO, CAMLO, or treasurer?

Reach out for a tailored institutional brief, NDA workshop, or sandbox provisioning for your team.

compliance@kcs-capital.com →
The brief is ready — now make the move

You have the one-pager. Now join the institutional walk.

Forward this summary to your CRO, CFO, and risk committee. When the conversation lands, the waitlist puts your institution in line for the first cohort of pilots. If you want a person, not a form, book a confidential walkthrough below.

Join the institutional waitlist → End of the institutional walk · the waitlist sits here
Ready to bring this to your institution?

Walk this with your team, then join the institutional waitlist.

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.

Join the institutional waitlist → Book a confidential walkthrough
The waitlist tells us your institution is paying attention. The walkthrough is for institutions ready to talk pilot details under NDA. Either path lands at compliance@kcs-capital.com.