Block Finance
Copenhagen FinTech Lab
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Block Finance is launching a secure, multi-currency, real-time gross settlement (RTGS) system that enable frictionless payment and settlement on blockchain.

Integrating central banking with the blockchains of tomorrow.

Multi-currency accounts

Verified clients can create new accounts on demand. Accounts are anonymous and are assigned an IBAN for external use.

Accounts hold multiple balances in any of the supported currencies and support future payments (value dates).


The ledger is suitable for both consumer as well as institutional payments. A payment consists of:

The payment is encapsulated inside an transaction, which needs to be signed with the appropriate private keys. If the signature part is invalid the transaction fails.

It is important to note that once the transaction commits, payments contained within are final. This also applies to payments scheduled for a future value date.


The ledger is designed for a number of settlement processes.


Built to scale, total ledger throughput is measured in thousands of transactions/second.

Individual transactions commit (or are rolled back) in less than one second on average.

A single signer can participate in multiple, in-flight, out-of-order transactions.


A flexible permission model is provided that is suitable for both consumer and institutional clients.

All transactions enjoy finality on commit, so you can trust them. Good-bye ledgers with probabilistic finality.


Operated out of 7 diverse sites, the simultaneous loss of 2 sites can be tolerated without affecting the availability of the ledger.

Each site contains an complete, immutable, replica of the transaction history which can be used to rebuild the ledger state from scratch.

All sites need to agree on the outcome of a transaction for it to commit.


Client funds are pooled and are held in accounts segregated from those of Block Finance. This ensures that even in the unlikely event of a default, client funds are unencumbered.

Funds are held at central banks, keeping the number of trusted parties to a minimum.

Technical Specifications