NetXD, a fintech firm operating in 10 countries, has launched a unified infrastructure platform to bridge the gap between traditional finance (TradFi) and decentralized finance (DeFi). The launch comes at a time when financial institutions worldwide ramp up digital transformation initiatives amid evolving regulatory clarity on stablecoins.
The timing of NetXD’s rollout aligns closely with the U.S. Senate’s recent passage of the bipartisan GENIUS Act, which lays the groundwork for a regulated, compliant stablecoin framework in the country. The Act’s emphasis on full collateralization and transparent proof-of-reserve mechanisms has elevated the importance of institutional-grade infrastructure—a niche NetXD appears ready to fill.
“NetXD makes innovation a profit engine …. by freeing institutions to deliver what customers want, when they want it, without messy integrations or the associated runaway costs,” said NetXD Chairman, Suresh Ramamurthi.
A Unified Platform for Institutional Digital Finance
NetXD’s offering integrates multiple modules designed to modernize how banks and financial institutions issue, move, and manage tokenized assets across both fiat and blockchain rails:
- XD Ledger: A programmable, immutable ledger designed to operate as a “sidecar core” alongside existing bank infrastructure. Institutions can tokenize deposits, settle stablecoin or fiat payments in real time, and enforce audit-ready governance protocols without replacing legacy systems.
- XD Payments: A unified API that connects to major fiat and blockchain payment rails—ACH, FedNow®, Visa Direct, and even decentralized networks supporting stablecoins. This eliminates the need for financial institutions to juggle multiple integrations and settlement rules.
- XD AI and Large Action Model (LAM): Leveraging artificial intelligence, NetXD automates middle- and back-office operations. LAM turns institutional policies and contracts into smart contracts and executable workflows—enabling banks to settle payables, enforce compliance, and manage fund flows across blockchains with minimal manual intervention.
- Enterprise HD Wallet Suite: A Zero Trust, self-custodial wallet with hierarchical deterministic (HD) key management. It supports multi-chain access, including Ethereum and Solana-based tokens, and includes enterprise-grade controls such as transaction kill switches and real-time risk reviews.
Riding the Regulatory Wave
The GENIUS Act, backed by bipartisan lawmakers, outlines clear requirements for stablecoin issuers, including monthly audits and segregation of reserves.
According to the 6th Annual Global Crypto Hedge Fund Report 2024 by PwC and AIMA, 43% of traditional hedge funds—whether invested or not in digital assets—are seeing increased interest from institutional clients.
NetXD’s platform fills a crucial gap—offering a single pane of glass for institutions to interact with tokenized assets while remaining anchored in legacy finance.
NetXD’s modular infrastructure also mirrors recent trends among major banks like JPMorgan and Societe Generale, both of which have made strides in tokenization and stablecoin pilots—but often with custom, siloed infrastructure. By contrast, NetXD’s platform appears to offer broader plug-and-play utility for regional banks and global fintechs alike.
As digital asset adoption matures and regulation catches up, financial institutions are increasingly seeking scalable, compliance-friendly tools that unify blockchain with existing banking systems. NetXD’s move could accelerate that transformation.
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