Author: Richard Yolland | Concordium
Enabling secure and compliant digital finance with enterprise-grade infrastructure
As digital assets and stablecoins continue to reshape financial services, the need for secure, compliant, and scalable infrastructure is more critical than ever. Concordium is addressing this need by integrating IBM’s enterprise-grade technologies—including IBM LinuxONE and IBM Hyper Protect portfolio—into its blockchain-based solutions.
This integration supports Concordium’s mission to deliver secure, identity-anchored blockchain capabilities optimized for payments and financial use cases. By leveraging IBM’s infrastructure, Concordium enhances its ability to offer fast, auditable, and programmable financial services, including cross-border payments, automated treasury operations, and asset tokenization.
Infrastructure-Driven Innovation
Concordium’s blockchain features protocol-native identity verification and zero-knowledge proofs (ZKPs), enabling privacy-preserving accountability. With fast finality (2–3.5 seconds), stable fiat-pegged fees, and throughput of 2,000 TPS, it is well-suited for high-volume financial applications.
Key advantages for institutions
● Frictionless Cross-Border Payments: Settle international transactions in seconds, not days, with protocol-level stablecoins and integrated identity verification. Concordium’s native ID Layer and zero-knowledge proofs (ZKPs) ensure that every wallet is linked to a verified identity-delivering accountability while preserving privacy. With fast, fork-free finality (2 - 3.5 seconds), stable fiat-pegged fees and high throughput of 2,000 TPS, Concordium is optimised for payments use cases.
● Automated Treasury & Settlement: Streamline payroll, supplier payments and dividend distributions with programmable, protocol-native stablecoins. Eliminate smart contract vulnerabilities and human error, while achieving real-time, auditable settlements.
● Next-Gen Asset Tokenization: Issue and manage tokenized money market funds and other assets with programmable controls that facilitate compliance including in areas such as geofencing and fraud-proof authentication - opening new markets and products with confidence.
● Programmable Money for E-Commerce: Enable automated, scheduled or conditional payments for e-commerce and digital marketplaces, powered by Concordium’s advanced protocol-level locking mechanisms.
IBM’s infrastructure complements these capabilities by providing:
- Confidential Computing via IBM Hyper Protect, ensuring sensitive data remains under institutional control.
- Hyper Protect Offline Signing Orchestrator (OSO) for secure, policy-driven cold storage signing workflows.
- Operational Decision Manager (ODM) to enforce granular compliance policies directly within the infrastructure.
In a recent proof-of-concept, transactions were created, signed within IBM Hyper Protect, and finalized on the Concordium blockchain in under 2.5 seconds—demonstrating the speed and security of this integration.
Supporting Concordium’s Vision with IBM Technology
As the digital finance landscape rapidly evolves, Concordium's secure and scalable blockchain infrastructure, which leverages IBM's robust and reliable infrastructure, sets a new benchmark for institutional innovation. This delivers an unparalleled environment for digital payments and stablecoin operations - combining strong security, operational excellence and technical assurance. With Concordium’s unique setup of protocol-native identity verification and stablecoin issuance at the protocol layer mitigating smart contract risk and IBM’s enterprise-grade infrastructure, institutional clients can gain a future-proof foundation designed to drive transformative financial solutions while helping to meet the most stringent standards for security and privacy.