BLIPS OpenMoney
Tokenized bank money infrastructure for regulated institutions.
Issue and settle account-based, contract-linked deposits on governed institutional Lightning rails, with interoperability to stablecoins and bearer assets across open Bitcoin/Lightning networks.
Governed tokenized-deposit rails with open-network interoperability.
Bank money needs governance. Open networks provide reach.
Tokenized deposits cannot behave like bearer tokens. They are bank liabilities tied to accounts, contracts, issuer controls, and regulated relationships. OpenMoney gives financial institutions governed rails for tokenized bank money while preserving interoperability with stablecoins and bearer assets across open Bitcoin/Lightning networks.
Deposits remain account-based
Tokenized deposits preserve the bank-depositor relationship and the issuing institution's control.
Transfers remain contract-linked
Movement of bank money can follow eligibility, redemption, and settlement conditions.
Open-network interoperability
Stablecoins and bearer assets can interoperate across open Bitcoin/Lightning networks where appropriate.
Account-based money meets bearer-asset interoperability
Tokenized deposits
Account-based, contract-linked bank money issued by regulated institutions.
- Bank-depositor relationship
- Issuer control
- Eligibility and redemption rules
- Contract-linked transfer logic
- Atomic settlement
Stablecoins and bearer assets
Open-network assets that can move across Bitcoin/Lightning rails.
- Stablecoin flows
- Bearer-asset interoperability
- Open-network reach
- Cross-network liquidity paths
- Regulated access design
How OpenMoney works
Issue
A regulated institution issues account-based, contract-linked tokenized deposits.
Govern
Access, eligibility, transfer, and redemption rules are enforced on institutional Lightning rails.
Move
Deposits move through governed rails with atomic settlement design.
Interoperate
Bank-money flows can connect with stablecoins and bearer assets across open Bitcoin/Lightning networks.
Control
Institutions retain role boundaries, issuer control, and topology choices.
Where OpenMoney fits
Contract-based tokenized deposits
Issue bank deposits as account-based, contract-linked money on governed institutional rails.
Direct bank settlement links
Create direct correspondent relationships between banks without relying on long intermediary chains.
Regulated stablecoin flows
Support stablecoin transfer and settlement flows with stronger privacy and institutional controls.
Bearer-asset interoperability
Connect governed bank-money infrastructure with open Bitcoin/Lightning assets where appropriate.
Controls for programmable bank money
Account-Based Issuance
Keep tokenized deposits tied to accounts, regulated institutions, and bank liability structures.
Contract-Linked Transfers
Embed transfer conditions, eligibility, and settlement logic into money movement.
Governed Network Access
Define who can issue, hold, transfer, redeem, or interoperate.
Atomic Settlement
Settle linked actions together or not at all.
Stablecoin Interoperability
Connect bank-money flows with stablecoins and bearer assets across open Bitcoin/Lightning networks.
Privacy & Topology Control
Support institutional, open, or hybrid topology choices according to regulatory and operational needs.
Who OpenMoney is for
OpenMoney is built for banks and regulated institutions exploring tokenized deposits, programmable settlement, direct correspondent links, and controlled interoperability with open-network money.
What OpenMoney is not
Not a generic stablecoin platform
Stablecoins are supported as interoperable flows, but the core product is tokenized bank money.
Not bearer-token deposits
OpenMoney does not turn deposits into bearer tokens. Deposits remain account-based, contract-linked, and governed.
Not an ungoverned public-chain product
OpenMoney provides governed institutional rails with open Bitcoin/Lightning interoperability.