Ephelia, the end-to-end partner:
TradiFi + DeFi + Innovation + RWA + AI
TradiFi + DeFi + Innovation + RWA + AI
Ephelia is the regulated infrastructure that enables white-label platforms dedicated to Asset Managers, Wealth Managers, and Family Offices who require functional ecosystems for cash movements, instant settlement, programmability of financial flows, distribution, and tokenisation of assets and structured products that ensure the modern wealth manager can compete in the current scenario.
Ephelia combines regulated services with a modular and innovative technology stack that ensures a lean time-to-market, allowing you to focus on your core business, leaving Ephelia to provide an ever-innovative and competitive financial infrastructure.
e-Money and Payments
Structured Products
Stablecoins (Settlements through agnostic Rails)
Native Blockchain infrastructure
RWA Tokenization Services
AI Agents integrated
Why Ephelia is Strategic - Today
The operating context of the asset manager has radically changed. Markets are evolving at a speed that is unsustainable by the formula: [Internal IT + Supplier]. Clients demand: [global opportunities + control and transparency + liquidity]. The competitive gap with big-players is significant, but never before has it been possible to reduce it so drastically thanks to technology and speed. All combined with a massive reduction of risks.
Speed
Fragmented processes between Banks, PSPs, Custodians and Distribution Platforms slow down operations.
Banking cut-offs and settlement delays limit the ability to react quickly to market opportunities, creating friction in liquidity management.
Control
Increasing pressure on transparency, traceability, and governance makes traditional systems inadequate.
Tools are needed that guarantee complete audit trails, immediate reconciliation, and end-to-end visibility on every cash and asset movement.
Efficiency
Operational complexity translates into high costs: personnel dedicated to reconciliation, manual exception management, expensive integrations between incompatible systems. Time-to-liquidity becomes a critical competitiveness factor requiring innovative solutions.
Ephelia, the Fintech partner "B2B2x"
Ephelia is the Fintech partner that combines regulated services with modular technology, allowing you to manage money and digital instruments in a compliant way without sacrificing innovation.
The Ephelia Model
The Asset Manager maintains the relationship with the end client, its own brand, and commercial control.
Ephelia enables the regulated infrastructure, technology, and operations, which are invisible but essential.
Regulated Services
Licences for e-money, payment services, structured products, custody of digital assets, and distribution. Compliant management of money, stablecoins, and tokens in accordance with regulations.
Modular Technology
API-first architecture that integrates seamlessly into your existing ecosystem. Reusable components that you can progressively activate, without the need to replace your core systems.
B2B2x Model
From full White-label to Build-custom, depending on your needs. Your clients interact with your brand, while we manage compliance, banking rails, blockchain, and custody in the backend.
Ephelia in Practice
An integrated set of tools covering the entire value chain, from cash movement to asset tokenisation, with compliance by design in every component.
1
Current Accounts and e-Money Wallet
Fund segregation, sub-accounts for mandates and investment products, programmable movement, real-time reconciliation. Multi-currency with integrated FX.
2
Programmable Payments
Instant, bulk, cross-border, with multi-signature approval workflows. Treasury automation for capital calls, distributions, rebalancing between accounts.
3
Stablecoin Sandwich via es-Currencies
Proprietary issuance and integration with existing stablecoin rails. Redemption, usage policies, programmable limits, streamability, 24/7 settlement.
4
Blockchain Layer
Custom smart contracts, full auditability, integrations with institutional custodians. Support for all EVM and permissioned chains. Canton Network integration in progress.
5
Fund Tokenisation
Issuance of tokenised fund units, complete lifecycle, automated corporate actions, controlled transfers with white-listed investors.
6
Tokenised RWAs
Real estate, private credit, structured products. Issuance, automated servicing, secondary transfer between verified counterparties, traceable collateralisation.
EU Ready
UK Ready
CH Ready
USA Ready
Payments: from cost to commercial advantage
Payments are no longer just an operating cost to be minimised, but a strategic tool that can differentiate you from your competitors and significantly improve the experience of your customers and counterparties.
Events
Capital calls, distributions, fees, or rebates are generated by your portfolio management system according to 1-2-1 schedules.
Approval
Multi-signature workflow with thresholds, ex-ante controls, destination policies and fully automated compliance checks
Execution
Instant or scheduled bulk execution, with automatic notifications to recipients and real-time tracking
Confirmation
Immediate settlement confirmation, with unique references and complete digital documentation
Riconciliation
Automatic reconciliation with accounting systems, zero manual intervention, complete audit trail
Real Use Cases
- Capital calls and additional calls: digital notification to investors, automatic collection, immediate reconciliation with subscription agreements
- Advanced distributions: dividends, fees, rebates with automatic calculations, multi-beneficiary payments, hierarchical approvals
- Cash rebalancing: transfers between bank accounts to optimise liquidity, reduce downtime and minimise operational risk
- Deal closing: instant payments for closing real estate, private equity and club deal transactions with automated escrow
Measurable Results
Settlement time reduced from days to minutes. Manual exceptions and reconciliations reduced by 90%. Customer Net Promoter Score increasing thanks to transparency and speed.
A Smart Treasury for Wealth
Managing operational liquidity and cash flows across dozens of mandates, vehicles, and family structures requires tools specifically designed for the complexity of wealth management. Traditional bank accounts are no longer sufficient.
Unlimited Sub-Accounting
Generation of separate current accounts and wallets for each mandate, vehicle, beneficiary, or line of business. Granular roles and permissions ensure segregation of duties and access control.
Segregation and Reporting
Client funds are segregated, with an immutable audit trail on blockchain. Automatic reporting for compliance, reconciliation, and tax reporting.
Approval Workflows
Definition of multi-signature policies, spending thresholds, ex-ante controls on destinations. Rules are applied automatically, reducing operational risk and fraud.
Real-Time Liquidity Dashboard
A single dashboard shows real-time availability, ongoing movements, cash forecasts, and automatic reconciliation integrated with major accounting systems. Stop using Excel sheets or manual reports.
Governance by Design
The permission structure reflects your governance: family offices with separate family branches, asset managers with distinct investment and operations teams, wealth managers with dedicated advisors.
es-Currencies: Programmable and Streaming for 24/7 Settlement
Es-currencies are not simply “digital money”. They are programmable money that can incorporate rules, restrictions and automatic behaviours, radically transforming the way we manage regulations and financial flows. All with continuous, second-by-second flows.
Programmability
Incorporate payment rules directly into the money: automatic escrow, DvP (Delivery versus Payment), PvP (Payment versus Payment), release conditions, destination controls.
Streamability
Continuous payments over time, no longer at fixed intervals. Cash flows that move second by second, minute by minute, rather than in blocks.
24/7 Availability
Instant settlement at any time, including weekends. Eliminate friction caused by bank cut-offs, holidays and time zone differences.
Transparency
Immutable on-chain audit trail for every transaction. Simplified reconciliation, verifiable compliance, automatic reporting without manual intervention.
Casi d'Uso Trasformativi
Coupon Streaming: A paradigm shift in yield distribution. Instead of paying quarterly coupons, interest can be distributed continuously, providing investors with a unique cash flow experience.
Fee Streaming: Management fees and performance fees calculated and paid in near real time, increasing transparency and reducing disputes.
Smart Escrow: funds automatically locked upon the occurrence of conditions, released only upon completion of verifiable on-chain milestones.
Fixed-Income: Streaming Coupons and Fees thanks to es-Currencies
Imagine a world where coupons are not paid quarterly but flow continuously to investors, pro-rata for each minute or day of holding. This is now possible with programmable e-currencies.
01
Mismatch Reduction
Perfect alignment between accounting accrual and actual cash flow. There are no longer "dead" periods where interest accrues but is not paid, improving liquidity management.
02
Innovative Fee Management
Management fees and performance fees calculated and distributed in near real-time. Greater transparency for investors, fewer disputes over calculation methodology.
03
New Products
Bonds or structured notes with automatic conditional payouts linked to on-chain metrics: asset performance, market events, real-time covenant monitoring.
Traditional Payment: four discrete events with long periods of mismatch between accounting accrual and actual cash.
Continuous Streaming: cash flow is constant and predictable, reducing liquidity volatility and improving the investor experience.
Fixed-Income 4.0: Yield in Streaming with Programmable Reinvestments
Imagine a Fixed Income investment that generates continuous yield, second by second: it instantly reinvests it in digital assets such as Gold and Bitcoin, with pre-programmed decision-making logic. This innovation goes beyond the limits of traditional finance.
Yield in Streaming
The invested capital generates interest and coupons in a constant flow, updated second by second, ensuring maximum efficiency and availability.
Smart Reinvestment
The generated interest is automatically converted and allocated in real-time into two distinct portfolios: digital gold and Bitcoin.
Programmable Strategies
Accumulated Bitcoin can act as collateral to acquire further digital gold (or vice versa), activating the strategy only when specific predefined market conditions are met on-chain.
This product is inherently unique and impossible to replicate with traditional finance, which would require long, costly manual processes burdened by operational execution risks. Ephelia makes it accessible and automated.
Tokenised RWAs: From Structuring to Liquidity
Real World Assets (RWAs) represent the natural evolution of structured finance. Real estate, Infrastructure, Art, Commodities, and other illiquid assets can be converted into digital assets, held, traded, or managed as collateral through programmable contracts.
Real Assets
Tokenisation
Distribution
Technology Model: White Label, Build or Hybrid
Depending on your time-to-market, customisation, and control needs, we offer three implementation models that you can freely combine.
1
White Label
Go-to market quickly, pre-configured back-office with extensive insight into regulated processes. Your brand, our infrastructure. Ideal for quickly validating a use case.
2
Build Custom
Together, we build a tailored platform for your specific workflows. UI, UX, and custom modules that precisely reflect your processes.
3
Hybrid
The best of both: we start with our pre-built modules, customising critical areas for you. Balancing speed and differentiation.
All models guarantee total integration with your systems: CRM, portfolio management, custody. API-first architecture, webhooks for real-time events, single sign-on.
Why Ephelia Compared to 'Single-Point' Competitors
The market is fragmented: PSPs do not offer tokenisation, blockchain platforms are unregulated, BaaS offer asset management solutions. Ephelia is different because it covers the entire value chain with an integrated approach.
The Ephelia Advantage
- One partner, one integration
- Authorised, Regulated and Infrastructural
- B2B2x Model: commercial control remains entirely yours
- Workflows designed for asset/wealth managers and family offices
Complexity Reduction
Instead of managing 5-6 different providers (payment processor, bank, custody, blockchain provider, tokenisation platform), Ephelia is a single point of contact that orchestrates all layers.
This drastically reduces integration costs, operational risk exposure and time-to-market for new initiatives.
Three Pragmatic Starter Packages
There’s no need to implement everything at once. We have designed three initial packages that allow you to quickly validate value and then progressively expand capabilities.
1. Instant Treasury
Objective: Modernise operational liquidity management with instant payments and approval workflows.
Includes: Multi-currency e-money accounts, sub-accounting for mandates, instant and bulk payments, multi-signature workflows, automated reconciliation, real-time treasury dashboard.
Outcome: 70% reduction in settlement times, elimination of 90% of manual reconciliations, improved liquidity visibility.
Timeline: ~8-16 weeks from kickoff to production.
2. Digital Settlement
Objective: Enable 24/7 settlement with stablecoin or e-currency for time-sensitive and cross-border operations.
Includes: Stablecoin gateway (USDC, EURC regulated by es-C), programmable escrows, automatic DvP, 24/7 settlement including weekends, blockchain audit trail.
Outcome: Instant settlement even outside banking hours, 60% reduction in cross-border costs, full transparency for compliance.
Timeline: ~12-16 weeks including custody and wallet infrastructure integration.
3. Tokenised Assets
Objective: Launch the first tokenised product or RWA with complete lifecycle and transfer control.
Includes: Share or asset tokenisation, smart contracts with investor whitelist, automated subscription/redemption, programmable corporate actions, private marketplace for secondary.
Outcome: 50% reduction in fund administration operational costs, access to new distribution channels, improved liquidity for investors.
Timeline: ~12-20 weeks including legal structuring and smart contract audit.
The packages are modular and can be combined. Many clients start with Instant Treasury to validate integration and workflows, then add Digital Settlement or Tokenised Assets in a second phase.
Roadmap: Discovery, Pilot, Scale
Transforming financial infrastructure is a journey, not an event. Our methodology involves three structured phases that allow risks to be mitigated and value to be maximised incrementally.
Discovery (~4-6 weeks)
Mapping existing processes, identifying pain points, defining compliance and integration requirements. Workshops with business, operations, compliance, and IT teams to prioritise high-impact use cases.
Deliverable: architectural blueprint, implementation roadmap, business case with estimated ROI.
Pilot (~8-16 weeks)
Implementation of the first use case with selected clientele. Technical integration validation, operational workflow testing, team training, feedback collection. Clear KPIs to measure success.
Deliverable: platform operational in production, performance metrics, lessons learned, scale-up plan.
Scale (~3-6 months)
Extension to more business lines, automation of additional processes, launch of tokenised products, expansion to new geographical markets. Continuous optimisation based on KPIs.
Deliverable: full-scale operations, complete ecosystem integration, new revenue streams enabled by technology.
Next Steps: Operational Workshop
Let's organise a half-day workshop with your business, compliance, and IT teams to:
- Analyse your processes and priorities in detail
- Demonstrate the platform with concrete use cases
- Jointly define the roadmap and quick wins
- Structure a pragmatic and measurable pilot