Advancing digital currency online and offline payments
A collaboration between R3 and IST
As demand for digital currencies grows, especially from central banks, we’ve partnered with IDEMIA Secure Transactions (IST) to bring you a unique advancement in both online and offline CBDCs using R3’s leading Digital Currency product.
From phones to smart cards, we’re enabling seamless transactions across a range of devices for secure CBDC transactions anywhere in the world.
A new digital currency payment solution
Our solution empowers central banks and financial institutions to create programmable digital currencies, unlocking their benefits while also addressing key challenges in regions with limited connectivity, ensuring transaction privacy, and fostering financial inclusion.
Seamless transactions anywhere, anytime on any device
- Built-in hardware security ensures data protection and fraud prevention
- Enables digital currency transactions in remote areas with limited or no internet connectivity
- Perfect for high-volume, low-value transactions
- Avoid the constraints of outdated systems that require connectivity
- Provides a robust, scalable, and inclusive payment infrastructure
A major leap forward for digital payments worldwide
A fast, scalable, and competitive digital payment experience
New technologies can make payments easier, boost local businesses, and help governments manage policies automatically. Our solution helps advanced economies create smarter, more reliable, and independent payment systems.
Leverage cutting-edge technology to build a resilient public-sector payments infrastructure that fosters local private-sector growth while automating public policy enforcement for streamlined operations
Benefits for Central Banks
- Promote financial inclusion and strengthen payment systems
- Enable programmable offline CBDC transactions
- Promote monetary sovereignty with wider CBDC adoption
Benefits for Commercial Banks & PSPs (payment service providers)
- Eliminate inefficiencies, reduce transaction fees, and minimize settlement risks
- Drive retail consumer and SME growth in traditionally underserved areas
- Build smart, offline solutions with CBDCs as a foundation
Benefits for Retail Users & Merchants
- Make and accept digital payments – no internet or bank account needed
- Say goodbye to cash storage challenges and counterfeit risks
- Save on transaction fees and streamline payments
Accelerating cash flow and enhancing payment efficiency
Offline payments are now possible with smart phones, smart codes and even wearable devices
Reliable and secure offline payments
Our offline payments solution leverages advanced hardware security—like SIMs, eSIMs, and secure chips in cards and smartphones—enabling users to top up wallets, convert funds to offline digital currency, send peer-to-peer payments, and merchants seamlessly accept and withdraw funds securely.
Why choose our offline payments solution?
Our solution stands out by providing secure, reliable, and instant transactions.
Financial efficiency
Unlock the benefits of programmable digital currencies by streamlining payments, reducing risks, lowering fees, and enhancing cash flow.
Unmatched security
Built on award-winning secure DLT with EMV-level protection, our solution leverages secure elements to ensure resilient, fraud-resistant transactions.
Privacy and flexibility
We ensure user privacy while enabling fraud detection, giving your customers peace of mind in every transaction.
Seamless user experience
Users can top up wallets, convert funds into offline digital currencies, and make payments across devices, while merchants can accept payments and access funds with ease, anywhere, anytime.
