Digital Assets & Digital Money: Unlock your potential with Web3, blockchain and DeFi

Web3 is revolutionising the internet by decentralising control, enhancing security, and empowering users with true ownership of digital assets. New forms of digital money, like stablecoins, CBDC, or tokenised deposits are gaining traction. Regulatory frameworks and sandboxes such as Europe’s MiCAR or the DLT Pilot Regime enable innovative business opportunities. Banks, exchanges, and asset managers must collaborate with Web3 native FinTech players to fully leverage innovative offerings in the realm of digital assets and digital money. We, as an ecosystem innovator and systems integrator, bridge the gaps on both ends.

portrait photo Martin Jost, COO Sygnum
' Keeping a focus on what matters most for our clients and collaborating to succeed are part of our core values, and Zühlke helped us launch an improved, integrated digital onboarding platform that let’s us do exactly this. '
Martin Jost
COO, Sygnum

Zühlke’s Framework for Blockchain in Financial Services

We developed our own  framework for the use of blockchain technology in finance. We have found that it helps  to distinguish between infrastructure, assets, and financial service layers. It is similarly important to be clear whether we talk about crypto-native assets (cryptocurrencies like Bitcoin or Ether on the decentralised blockchain Ethereum), digital forms of money (CBDCs, stablecoins), or different forms of tokenised assets (tokenised bonds,money market funds, or alternative investments, also known as RWA – Real World Assets).

We used this model successfully in client projects and in roundtables at international conferences like Point Zero Forum.

Infographic permissionless blockchain in financial services with three layers: financial service layer, asset layer and market infrastructure layer

Permissionless Blockchain in Financial Services

Read our whitepaper, based on insights from a roundtable discussion at the Point Zero Forum in July 2024.

IT, programmer and coding by a woman in office at night, inspired worker planning, thinking and busy with online project. Face, black woman and programming for blockchain.

Institutional DeFi: Navigating the Landscape

Explore how decentralised finance is set to revolutionise the institutional investment landscape. Download our report now!

Fluid money: a glance into everyday life in 2030

A story about different forms of digital money and why we need them.

Swiss Stablecoin

Find out how we contributed to the creation of a widely accessible digital Swiss franc.

Our offerings

  • Web3 services

    We provide both consulting and engineering services. We advise our clients on latest trends, Web3 strategies, proven use cases, and platforms.

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  • Digital Money

    We support our clients in building or adopting the next form of digital money,from stablecoins and tokenised deposits or Commercial Bank Money Tokens (CBMT) to Central Bank Digital Currencies (CBDC).

  • Systems Integration for Digital Assets and Custody

    We integrate blockchain-native products and services from our Web3 partner ecosystem into our clients’ institutional-grade financial system landscape, offering solutions ranging from foundational custody and registrar services to advanced trading and staking options.

  • User Experience and Onboarding

    We design frictionless customer journeys for digital assets and digital money and optimise user onboarding processes.

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  • Staff augmentation

    We optimise product development time-to-market by augmenting development teams with experienced cross-functional specialists or niche experts (DevSecOps or cybersecurity).

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Advisory

Questions to ask yourself:

  • What are the latest trends and how do they impact your business?
  • How should your organisation respond?
  • How can you take your people along?
  • How are your processes affected?
  • What could a target operating model look like?
  • What should you build and what should you buy?
  • What are the consequences for your technical system landscape?
  • How do you set up a competence centre for digital assets?
  • Who are the right partners in your blockchain ecosystem?

New experiences

We also create new experiences by integrating digital assets into existing mobile banking apps or by creating completely new experiences in the Metaverse.

Blockchain partner ecosystem

We also leverage our hand-picked blockchain partner ecosystem with a set of unique specialists in certain protocols.

Blockchain:Circle

Become a member!

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Blockchain Circle
The trusted cross-sector network of decision-makers and pioneers to help leverage the potential of blockchain technology.

Our experts

  • Stefan Grasmann

    Stefan Grasmann

    Group Head of Thought Leadership & Chief of Blockchain

    CV

    Your contact for membership, all collaboration and blockchain-related business requests.

    "In our Blockchain:Circle, we learn from successful adopters of these technologies: about current limitations and proven killer features."

  • Ammar Ahmad, Expert Business Consultant, Zühlke

    Ammar Ahmad

    Senior Consulting Manager

    CV

    Ammar joined Zühlke in April 2022. Before joining Zühlke he worked in consulting for almost four years, mainly in the financial services and automotive industry. His focus the design and implementation of operating models and system architectures as well as process optimization. Among other things, he was involved in the implementation of a new Finance architecture as part of an IT transformation at a German private bank and supported the agile deployment of a group-wide CRM system at a German automotive manufacturer. Ammar earned his B.Sc. in Business Administration from Frankfurt School of Finance & Management and holds an M.Sc. degree in Innovation Management from Rotterdam School of Management. He is a certified Scrum Master, Product Owner, and SAFe Agilist.

  • portrait photo of Klaus Alfert, Director Software Engineering Consulting at Zuhlke

    Klaus Alfert

    Director Software Engineering Consulting

    CV

    Dr Klaus Alfert is Director of Software Engineering Consulting and has been with Zühlke since January 2004. He has been advising companies on improving their software architectures, development processes, and methods for more than 15 years. He places particular emphasis on good complexity management and high productivity. Before joining Zühlke, he conducted university research in this field. He is as familiar with industrial environments and applications as he is with systems in the financial industry and considers technical and business aspects equally.