Blockchain finance software we provide

Blockchain finance software that settles in minutes and still passes the audit

On-chain settlement is fast, but regulators, auditors, and core banking systems still run on their own rules. We build blockchain software for financial institutions that connects tokens, payments, and ledgers to the compliance and controls you already have.

Why most blockchain pilots never reach production

Many financial blockchain projects start with a working smart contract and stall soon after. The token works. What’s missing is everything around it: identity checks, transfer rules, custody, accounting entries, reconciliation, and a link to the core system.

Svitla builds blockchain finance software as production infrastructure from the start. Smart contracts enforce compliance rules on-chain. Off-chain services handle identity, reporting, and integration. AI monitors transactions for risk, so your team can launch with the controls a regulated business needs.

Who we serve

Tokenizing funds and securities

Asset managers and issuers bringing money market funds, bonds, or private credit on-chain. You need transfer restrictions, investor registries, and links to transfer agents.

Cross-border payments and settlement

Banks and payment providers moving value across borders. You need faster settlement, lower correspondent costs, and full traceability.

Stablecoin treasury and payouts

Fintechs, marketplaces, and corporates paying partners or managing on-chain cash. You need wallet management, reconciliation, and accounting that finance can trust.

Challenges we address

Tokenized finance is moving into production. Securitize reports that tokenized real-world assets, excluding stablecoins, grew from about $5.5 billion to $18.2 billion during 2025. Growth raises the bar for compliance and operations, not just code.

The smart contract is the product

What actually happens: Contracts are a small part of the work. Identity, custody, reporting, and integration take most of the effort.

How Svitla solves it: We design on-chain and off-chain parts together, so the platform works end to end on day one.

Compliance can be added later

What actually happens: Tokens that move without checks create sanctions and securities law risk.

How Svitla solves it: Transfer rules, allowlists, and freeze controls are built into the token standard from the start.

On-chain data reconciles itself

What actually happens: Finance still needs ledger entries, and on-chain and off-chain balances drift apart.

How Svitla solves it: Automated reconciliation matches every on-chain event with core banking and ledger records.

Code that passed testing is safe

What actually happens: Smart contract flaws are permanent once deployed and can be exploited in minutes.

How Svitla solves it: Secure design reviews, formal testing, and independent audits come before every deployment, with upgrade and pause controls.

Our process at Svitla

STEP 1

What problem does the chain solve?

We confirm where blockchain adds real value, such as settlement speed or shared records, and where a database works better.

STEP 2

Which rules must it follow?

We map regulatory, accounting, and risk requirements with your legal and compliance teams.

STEP 3

How will it connect?

We design the architecture across chain, custody, identity, and core systems, and choose the right network.

STEP 4

Is it safe to launch?

We test, audit, and pilot with limited volume, then scale once we’ve proven the controls.

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Compliant token issuance

Issues tokens on public or permissioned networks.

Enforces transfer restrictions and allowlists on-chain.

Identity and KYC integration

Links wallets to verified identities.

Updates permissions when investor status changes.

Wallet and custody management

Connects to qualified custodians and MPC wallets.

Applies approval workflows to every transfer.

Settlement and payments

Settles payments and delivery-versus-payment trades on-chain.

Supports stablecoins and tokenized deposits.

AI transaction monitoring

Screens wallets and transactions against sanctions and risk data.

Detects unusual patterns with machine learning.

Reconciliation and accounting

Matches on-chain events with ledger and core banking records.

Posts accounting entries automatically.

Reporting and audit trail

Produces holder registries, transaction reports, and proof of reserves.

Keeps an immutable record of every action.

Is custom blockchain finance software the best option for your needs?

Answer a few simple questions and find out whether you should opt for a custom solution or a pre-built blockchain finance platform.

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Have you run a blockchain pilot that hasn't reached production?

Do you need tokens with built-in transfer restrictions or investor checks?

Do on-chain activities need to reconcile with your core banking or ledger?

Have you found white-label platforms too rigid for your products?

Would AI transaction monitoring help you meet AML obligations?

Do you plan to support several networks or asset types?

Important integrations for blockchain finance software

Blockchain networks

Public chains such as Ethereum and its layer 2 networks, or permissioned networks.

Custody and wallet providers

Qualified custodians and MPC wallet infrastructure.

Identity and compliance services

KYC, KYB, sanctions screening, and blockchain analytics providers.

Core banking, payments, and ledgers

Account systems, payment rails, and general ledger.

Market data and oracles

Price feeds and NAV data for tokenized assets.

Faster settlement

Less capital tied up in transit.

Settlement outside banking hours.

Lower operating cost

Lower correspondent and processing fees.

Automated reconciliation.

New products and investors

Fractional access to funds and credit.

Round-the-clock distribution.

Stronger compliance

Fewer prohibited transfers.

Faster regulatory reporting.

Use case, regulation, and architecture

We confirm the business case and map the applicable rules, such as securities law, AML, and stablecoin regulations like MiCA in the EU. We then choose the network, token standard, custody model, and integration approach. Legal and compliance teams sign off before we write any code.
Build, integrate, and secure

We develop smart contracts with compliance controls, plus the off-chain services for identity, custody, reconciliation, and reporting. We test integrations with core systems end to end. Contracts go through internal security review, extensive testing, and an independent audit.
Controlled launch and scale

We launch with limited volume, a small set of participants, and close monitoring. Once controls work as planned, we raise limits, add assets or networks, and tune AI monitoring as transaction data grows.

How much does blockchain finance software cost?

A focused solution for one use case, such as a tokenized fund pilot or stablecoin payouts for a fintech, typically costs $100,000 to $220,000. A production platform with compliant issuance, custody and identity integrations, AI monitoring, reconciliation, and core system links typically costs $250,000 to $600,000. Independent smart contract audits are usually priced separately. The final cost depends on networks, asset types, and integrations.

Want to understand the cost of your blockchain finance software?

Calculate the cost

Check our client success cases

Payment Services

Project Type Quality Assurance

Industry Financial Services

Uncover the ways we streamlined the testing process for a global tech leader's payment terminal software, introducing an automated framework and BDD-style tests that accelerated testing, enhanced quality, and reduced costs, enabling more efficient testing under various conditions.

Managed L3 Support Services

Project Type Cloud Solutions, DevOps, Managed Operations Support, Web Development

Industry Financial Services

Explore how we enhanced a US tech company's supply chain management by managing support, updates, and security for their apps, boosting user satisfaction, reliability, and system security.

Building A Compliance Portal For A Leading Financial Adviser Network

Project Type AU Solution, UX/UI, Web Development

Industry Financial Services

Svitla Systems built Centrepoint Alliance's "Virtual Front Door," an Umbraco-based portal that consolidates education, compliance, training, and resources for financial advisers, with Salesforce integration. Adviser reception was so positive that the initial proof-of-concept expanded into a full Adviser Hub and a new adviser extranet.

Consulting

We assess your use case, regulations, and systems, then define the architecture and roadmap.

Engineering

We build smart contracts, off-chain services, and integrations for regulated financial use.

Modernization

We audit your existing settlement, payment, or registry process and plan the move on-chain. The new system adds real-time settlement and on-chain audit trails the old process lacked. We migrate in phases and reconcile every balance after cutover.

Smart contract security and audit readiness

We review contract design, run security testing, and prepare code and documentation for independent audits.

FAQ

Do we actually need a blockchain?

Not always. Blockchain helps when several parties need shared records, fast settlement, or programmable assets. If one party controls all the data, a regular database may be better. We’ll tell you which fits.

Public or permissioned network?

It depends on your use case, regulators, and partners. Public networks offer reach and liquidity. Permissioned networks offer more control. Many projects use a public network with permissioned tokens.

How do you keep tokens compliant?

The token contract includes transfer rules. Only verified wallets can hold or receive tokens, and authorized staff can freeze or recover tokens under defined conditions.

What happens if a smart contract has a bug?

We design contracts with pause and upgrade controls governed by multi-signature approval. Independent audits and testing reduce the risk before launch. An incident plan covers what to do if something goes wrong.

How does AI transaction monitoring work?

Models score wallets and transactions using sanctions lists, blockchain analytics, and behavior patterns. High-risk activity is held for review. Every alert includes the reasons behind it.

How do on-chain transactions reach our accounting?

A reconciliation service reads on-chain events and matches them with ledger and bank records. Accounting entries post automatically, and exceptions go to finance staff.

How do you protect private keys?

We integrate with qualified custodians or MPC wallet providers. No single person can move assets alone, and every transfer follows an approval workflow.

Can we start with a pilot?

Yes. Most clients start with one asset or corridor and limited volume. The architecture is designed to scale to more assets, networks, and participants without a rebuild.

Settle in minutes with the controls regulators expect

Tell us about your use case and requirements. We’ll show you what custom blockchain finance software could make possible.

Blockchain finance software we provide

Blockchain finance software that settles in minutes and still passes the audit

On-chain settlement is fast, but regulators, auditors, and core banking systems still run on their own rules. We build blockchain software for financial institutions that connects tokens, payments, and ledgers to the compliance and controls you already have.

Why most blockchain pilots never reach production

Who we serve

Tokenizing funds and securities

Cross-border payments and settlement

Stablecoin treasury and payouts

Challenges we address

The smart contract is the product

Compliance can be added later

On-chain data reconciles itself

Code that passed testing is safe

Our process at Svitla

What problem does the chain solve?

Which rules must it follow?

How will it connect?

Is it safe to launch?

Compliant token issuance

Identity and KYC integration

Wallet and custody management

Settlement and payments

AI transaction monitoring

Reconciliation and accounting

Reporting and audit trail

Is custom blockchain finance software the best option for your needs?

Almost done

Thank you!

Important integrations for blockchain finance software

Blockchain networks

Custody and wallet providers

Identity and compliance services

Core banking, payments, and ledgers

Market data and oracles

Faster settlement

Lower operating cost

New products and investors

Stronger compliance

Use case, regulation, and architecture

Build, integrate, and secure

Controlled launch and scale

What would your business do with settlement that never closes?

How much does blockchain finance software cost?

Estimate the cost of your blockchain finance solution

What is the main goal of the solution?

What is your use case?

Where are you today?

Which network type?

Which systems should it connect to?

Which AI capabilities do you need?

What is your timeline?

What is your budget range?

Almost done

Thank you!

Check our client success cases

Payment Services

Managed L3 Support Services

Building A Compliance Portal For A Leading Financial Adviser Network

Consulting

Engineering

Modernization

Smart contract security and audit readiness

FAQ

Do we actually need a blockchain?

Public or permissioned network?

How do you keep tokens compliant?

What happens if a smart contract has a bug?

How does AI transaction monitoring work?

How do on-chain transactions reach our accounting?

How do you protect private keys?

Can we start with a pilot?

Settle in minutes with the controls regulators expect