Demonstration and education. Simulated data, no real assets or customers. Not financial, legal, or tax advice and not an offer.
Sandbox, simulated end-to-end

Run a tokenized institutional transaction, end to end.

Five steps from KYC through settlement finality, with append-only audit trail and per-step compliance receipts. No live blockchain, no real assets, no real customer data. Pick one of three preset scenarios below, or run the lifecycle manually one step at a time.

Simulated data only CAD 5-step lifecycle Verifiable audit trail
The 4orm settlement principle

Blockchain finality is not institutional finality. Only treasury confirmation, custody confirmation, and canonical ledger commitment together complete settlement.

Together or none
TREASURY Confirmation CUSTODY Confirmation CANONICAL Ledger commit INSTITUTIONAL FINALITY all three or none 3 SIGNALS 1 FINALITY EVENT
Choose one
One-click scenarios, prefill and run instantly

Run the lifecycle the settlement layer governs. These five steps are how a tokenized real-world asset moves through 4orm, from KYC through audit trail. Click through them, or press Run auto full flow on the left to watch the whole thing settle.

01

KYC Verification

Know Your Customer (KYC): verify an institution's legal identity and beneficial owners, then issue a reusable on the shared ledger credential.

Not run

Institution details

→ What this step feeds into
The KYC credential becomes a reusable identity that subsequent steps check before accepting any instruction. It is referenced by AML, by the trade book's eligibility gate, and by every settlement.
02

AML Screening

Anti-Money Laundering (AML): screen the party and the transaction against sanctions, politically exposed persons (PEP) and watchlists, with an auditable risk score.

Not run

Screening inputs

→ What this step feeds into
The AML result is not a separate check stored elsewhere. It embeds into the token at step 3 (Tokenization) as a transfer restriction. Future trades will check the receiving party's credential against this rule before settlement. Compliance becomes a property of the asset, not a process around it.
03

Tokenization

Wrap a real-world asset (tokenized real-world assets) in a legal token contract and mint it on the shared ledger with built-in transfer restrictions.

Not run

Asset to tokenize

→ What this step feeds into
The token now carries: the asset link, the legal-economic binding, AND the transfer-restriction policy that points to the KYC + AML credentials. The token literally will not allow itself to move to a counterparty whose credential does not pass the gate.
04

Settlement

Settle both legs with delivery-versus-payment at T+0, with instant, irreversible finality.

Not run

Settlement instruction

The cash leg is a deposit your bank issues and tokenizes. 4orm runs the machinery; it is not the issuer and does not issue stablecoins.

Legs
→ What this step feeds into
The settlement commit writes one canonical record both legs reference. The audit trail in step 5 reads from it. There is no second reconciliation pass.
05

Audit Trail

Every step above is written to an immutable, append-only ledger on the 4orm permissioned ledger (simulated). Each record carries a hash, timestamp, and linked references that tie it back to its originating credential, trade, or settlement leg.

Not run
Records
0
Network
4orm permissioned ledger (simulated) (permissioned)
Mutability
Append-only
→ What this step feeds into
The audit ledger is the regulator-readable record. Both the institution's CAMLO and the supervisor read the same append-only trail (under their scoped access). No re-export, no re-shape, no manual reconciliation.
Ready to bring this to your institution?

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

The 4orm settlement layer 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@4ormfinance.com.
Questions, or want to walk through this with us? compliance@4ormfinance.com · 4orm Finance is developed by KCS Capital, an independent engineering firm. 4orm Finance Holdings Inc. is the parent legal entity.