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Settle participation payments in minutes, not days.
Participate, Vantage Bank, and Custodia bring digital assets to loan participation payments and remittance — so financial institutions move money the way their teams already work, only much faster.
(per leg)
beyond wire hours
at month-end
Loan participations move billions every week. The plumbing still runs on email, wires, PDFs, and someone’s spreadsheet.
Tokenization isn’t a science-fair experiment. With Vantage Bank and Custodia, approved digital assets move on a permissioned network with the controls, visibility, and compliance posture regulated institutions expect.
Participate orchestrates the loan side. The result is a participation payment workflow where payment activity, records, and instructions stay aligned.
One movement. Everyone in the loan sees it.
Borrower payments, principal, interest, fees, and adjustments hit a shared record that originators and participants reference together — not a stack of statements that have to be reconciled at month-end.
Four steps. One settlement.
Participate runs the loan workflow. Vantage Bank supports tokenized deposits, approved stablecoins may also be used, and Custodia operates the bank-grade infrastructure. Your team works the way they always have.
Event captured
A borrower principal, interest, or fee payment is recorded in Participate against the loan and its participants.
Split computed
Participation percentages, P&I splits, and applicable fee treatment are calculated against the active record.
Tokens move
Tokenized deposits or approved stablecoins are routed across Custodia’s permissioned infrastructure to each participant’s digital wallet.
Records sync
Balances, notices, transaction history, and the audit-ready record update together in the participation workflow for every approved party.
Inside a tokenized loan payment.
A single tokenized payment carries everything a participation needs to settle — the principal, interest, fees, the rule set, and a verifiable audit-ready record. Nothing arrives ahead of, or behind, the money.
A $5M participation payment,
side by side.
Both paths start with a participation payment recorded in the core system. The difference is what happens after the record exists: the legacy path depends on reports, notices, wires, approvals, confirmations, and reconciliation; the tokenized path carries the payment through the workflow.
Wire & paper
TodayThe participation payment is recorded in the core system; reports of participant payments are pulled for downstream processing.
Ops uses manual workarounds to prepare notices and wiring instructions, then sends amounts for review.
Approvers review amounts and wiring instructions; wires then go to the wire desk for manual entry and separate approval.
Cutoff times can delay wires. Teams confirm each wire was sent and reconcile every wire back to the participation record.
Tokenized rail
With ParticipateOriginator opens the payment event in Participate; shares and rules pre-applied.
Approvals captured in workflow; controls and limits enforced.
Tokenized deposits or approved stablecoins move across the permissioned network.
Balances, notices, and audit-ready history update in the workflow for every approved party.
Three partners. Three jobs. One workflow.
Each company carries a clearly defined piece of the stack so your financial institution doesn’t need to build any of it.
Participate orchestrates the payment workflow.
Participate operates as the 'oracle' for smart contracts governing loan sales — records, rules, splits, approvals, notices, balances, and reporting — the operational workflow your loan ops team works inside every day.
- Payments and remittance workflow
- Servicing rules and approvals
- Shared balances and audit-ready history
Vantage Bank supports tokenized deposits.
A U.S. bank with the charter, controls, reserve management, and compliance posture required to support tokenized deposits at par.
- Tokenized deposits
- Reserve management and reporting
- Regulated payment framework
Custodia operates the rail.
Permissioned, bank-grade blockchain operations — the digital asset infrastructure that moves payments between approved participants.
- Permissioned network operations
- Digital asset custody and transfer
- Verifiable, on-chain recordkeeping
Six things your financial institution can do on day one.
Pick a capability to see what changes in the day-to-day work.
Pay participants when the borrower pays.
Originators raise a payment event in Participate; participants approve in workflow; tokenized deposits or approved stablecoins move across the rail and land in each participant’s digital wallet in minutes.
The jargon, decoded.
Three terms your team will hear. None of them require a crypto background.
A digital asset used for settlement, such as a tokenized deposit or approved stablecoin. It moves on a permissioned network while the workflow, controls, and records stay tied to the participation.
A closed payment rail with approved parties and configured digital wallet references. Transfers stay inside the permissioned workflow while records and controls remain visible to the participating institutions.
The payment confirmation and the related participation records stay tied to the same event. Your team keeps the connection between money movement, approvals, notices, and the audit-ready record.
What changes for each desk.
The same workflow improves the daily work for the four groups that touch a participation most.
Originators
Process borrower payments faster and keep the borrower relationship without dragging operations into every transaction.
Participants
See what you own, what was paid, and what changed — without waiting for an emailed statement that’s already a week old.
Loan Ops
Fewer manual wires, fewer status emails, fewer month-end breaks. Exceptions become a queue instead of a Tuesday afternoon.
Finance & Risk
Real-time visibility into exposures, payment status, and the audit-ready record — useful for ALCO, ALM, and the next exam.
The reasonable questions, answered.
Short answers to the questions that come up first in compliance, treasury, and risk reviews.
01 Is this a stablecoin?
The rail can support tokenized deposits or approved stablecoins, depending on the originating financial institution and approved payment structure. The page uses “digital assets” because the workflow is designed to support more than one compliant settlement asset.
02 How is access controlled?
Access is limited to approved parties and configured digital wallet references inside the permissioned payment workflow. Participate supports workflow visibility, approvals, and recordkeeping while each institution retains responsibility for its own regulatory obligations.
03 What about settlement finality?
Settlement is final and irrevocable at the moment the digital asset transfers. There is no T+1 waiting window and no recall mechanism — the same finality property you expect from a wire, achieved in minutes instead of hours.
04 Do we have to change core systems?
No. Participate runs alongside your core. We work with the data and exports you already produce, and the digital asset rail sits underneath as an alternative payment option for participations.
05 How does this look in an exam?
Every payment event — amount, split, fee treatment, approval, approver status, and notice — is timestamped and stored. Examiners get the same audit-ready record your team uses internally, without exports or reconciliation.
06 What does it cost to try?
Engagements typically start with a single participation payment cycle so your loan ops and treasury teams can see the workflow end-to-end before broader rollout. Request a briefing for current pricing.
Bring your next participation payment onto a digital asset rail.
Run one payment cycle end-to-end with Participate, Vantage Bank, and Custodia. No core changes, no crypto product, no homework for your borrowers.
Schedule a Demo
Curious how Participate can integrate with your systems to automate loan participations? Book a demo today and let us show you the possibilities.