01
Customer deposit
Funds begin with the bank or credit union the customer already trusts.
Issue a digital dollar without losing the deposit relationship.
Metal Dollar provides stablecoin-as-a-service infrastructure for banks and credit unions building institution-led digital-dollar programs. The model is designed to preserve the reserve relationship, redemption flow, economics, customer or member data, and user experience.
DEPOSIT DIGITIZATION, NOT DEPOSIT EXTRACTION
A digital-dollar product should keep the institution at the center.
When customers move deposits to an outside exchange, wallet, or provider-controlled stablecoin, the institution risks losing more than a balance. Transaction activity, reserve economics, data, and long-term customer attention can move with it.
PROVIDER-LED MODEL
Your brand. Someone else’s monetary base.
A white-label product can launch quickly while reserves, yield, redemption operations, and customer activity remain centered on the provider’s platform.
INSTITUTION-LED MODEL
Modern utility. An institution-owned relationship.
The program is designed around the institution’s reserve relationship, redemption path, customer experience, and economics, with Metal Dollar providing interoperable digital-dollar infrastructure.
Institution-led infrastructure
One continuous relationship, from deposit to digital dollar.
Metal Dollar connects modern digital-dollar utility to an institution-controlled operating model, keeping the reserve relationship, redemption path, economics, and customer or member connection visible at every stage.
02
Financial institution
The institution remains central to issuance, reserves, redemption, reporting, and the user relationship.
03
Digital-dollar utility
Approved users can hold, transfer, and use institution-led digital dollars across connected rails.
IssueInstitution-led program
MoveConnected payment rails
RedeemDefined return path
RetainRelationship stays central
FOLLOW THE OPERATING MODEL
The important question is where control ultimately resides.
A branded token alone does not determine the outcome. Institutions should evaluate the complete structure behind issuance, reserves, redemption, economics, data, and distribution.
Reserve relationship
Centered on the external provider
Structured around the institution
Redemption flow
Returns through provider rails
Designed to reconnect with the institution
Program economics
Primarily accrue to the provider
Defined with the institution’s model
Customer relationship
Shared with an outside platform
Remains institution-centered
FROM PILOT TO PRODUCTION
A complete path to institution-led digital dollars.
Metal Dollar connects product design, issuance infrastructure, approved reserve assets, minting and redemption, reporting, and interoperable deployment into one implementation path.
01
Design the model
Define the intended users, reserve structure, redemption flow, economics, and operating responsibilities.
02
Validate in a pilot
Test workflows, controls, customer journeys, and integrations in a bounded implementation environment.
03
Connect the rails
Integrate approved issuance, reserve, minting, redemption, reporting, wallet, and settlement capabilities.
04
Deploy and expand
Move into production with an operating model designed for institution-centered customer access and interoperability.
CROSSSTATE INNOVATION PROGRAM 2.0
Stablecoin evaluation with 50 participating credit unions.
participating credit unions
Initial cohort across New Jersey and Pennsylvania.
A SIMULATED, EDUCATION-FIRST ENVIRONMENT
From education to hands-on stablecoin evaluation.
Choose the path for your institution.
Banks and credit unions share the deposit-retention challenge, but their operating models, member or customer relationships, and deployment priorities are different.
FOR BANKS
Modernize deposits while keeping the bank relationship central.
Explore an institution-led model for digital-dollar issuance, payments, redemption, reporting, and customer access.
FOR CREDIT UNIONS
Give members digital-dollar utility without sending the relationship elsewhere.
Explore a credit-union-focused path for member access, deposit retention, controlled pilots, and interoperable digital dollars.
Questions institutions should ask.
What is stablecoin-as-a-service for financial institutions?
Is this simply a white-label stablecoin?
How does this support deposit retention?
Who controls the reserves and redemption process?
How are reserves and activity made transparent?
Reserve reconciliation, transaction reporting, and on-chain verification can be built into a production program. The reporting and attestation approach is defined for each institution based on its reserve structure, deployment network, jurisdiction, and operating responsibilities.
What responsibilities remain with the bank or credit union?
The institution remains involved in program governance, customer or member eligibility, compliance approvals, product policies, and distribution strategy. Metallicus provides technology and implementation support; the final allocation of operational, custody, reserve, and compliance responsibilities is documented for each deployment.
How are legal and regulatory requirements handled?
Requirements vary by institution, product design, jurisdiction, and participating service providers. The pilot process defines proposed roles, controls, and compliance workflows, but each institution should assess the program with its own legal, regulatory, risk, and compliance teams.
How are liquidity, redemptions, and operational risks addressed?
The operating model should define reserve liquidity, minting and redemption procedures, transaction limits, exception handling, monitoring, and incident response before production. A bounded pilot is used to test these controls; no infrastructure design removes every financial, operational, or regulatory risk.
How does a pilot move into production?
Start with a defined customer or member use case, success criteria, reserve and redemption design, responsibilities, integrations, and controls. Validate them in a limited pilot, review the results with stakeholders, then expand only when operational readiness, compliance approvals, and support processes are in place.
Modernize the deposit without giving up the relationship.
Talk with Metallicus about an institution-led stablecoin pilot and the operating model required to move from concept to production.
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