Working summary, tailored to your institution. Illustrative model, CAD. Benchmarks from public Canadian sources. Not financial advice.
Institutional summary, prepared by 4orm Finance

Your bank, on a shared regulated rail. Modelled in dollars, hours, and risk.

Pick your institution. We will compute the annual upside the model produces for an institution of your size (savings, hours reclaimed, trapped liquidity freed) and map out exactly how 4orm deploys inside your bank without disturbing your core.

Pick an institution above to generate your tailored summary.

The numbers below adapt to the institution you choose: annual savings across the five drivers, staff hours reclaimed, trapped liquidity freed, and a deployment plan sized for your tier.

Your modelled annual upside

Working summary for your institution

For an institution of this tier, modelled at the activity volume the size profile implies. Tune the underlying inputs on the What It Saves page.

$
C$0
Modelled combined annual saving
vs the modelled legacy cost on the same activity
⏱
0 hrs
Staff time reclaimed each year
across compliance and operations
⚡
C$0
Peak trapped liquidity freed
at any given moment, settlement-window funding
⟳
T+0
Settlement window, atomic DvP
vs T+1 to T+2 deferred-net today
0
Annual cross-bank payment volume modelled (count, both sides)
C$0
Annual notional value transacted at modelled rate
C$0
Cumulative 5-year saving at the modelled run-rate (illustrative)
Where the savings come from

Five drivers. Each tied to a specific change 4orm makes inside the rail.

The headline number is not one thing, it is five. Ordered from the most defensible (trapped liquidity, mathematical) to the most adoption-dependent (KYC reuse, scales with the network).

1. Trapped liquidity freed

C$0

Idle prefunding 1-2 days at modelled cost-of-funds. Atomic T+0 DvP removes ~95% of settlement float.

2. Correspondent fees

C$0

C$0.15-0.25 per cross-bank payment, zero on 4orm. 100% removal on on-platform flows.

3. Compliance labour

C$0

Rail-level canonical sanctions check cuts the manual disposition tail ~45%, not the auto-screening layer.

4. Reconciliation labour

C$0

Same on-ledger record on both sides means fewer breaks. Honest removal 55%, not 95%.

5. KYC duplication

C$0

Shared signed credential replaces per-institution KYC. Scales with network adoption.

What these savings preserve, and what they enable

The same controls, at a fraction of the labour, and a path to the next decade.

The model produces savings without losing any of the controls your CAMLO and CFO require. The same supply integrity, the same ownership traceability, the same supervisory auditability, the same regulated payout governance, just at a fraction of the manual work.

100%

Core banking retained

4orm sits beside your core, not in it. No ledger migration, no system-of-record replacement.

0

Custody changes

Underlying assets stay with your qualified Canadian custodian of choice. Provider-neutral.

3

Months to pilot

Sandbox-stage end-to-end in 8-12 weeks. Full institutional pilot pathway in 6-12 months.

C$16T

Tokenized opportunity by 2030

BCG and Bank of Canada both project this scale. Being on the rail before then is the option value.

How to work with 4orm inside your bank

Six steps. None of them touch your core.

01

Keep your core banking

4orm sits beside your core, not in it. No ledger migration, no replacement of any system of record.

02

Connect through ISO 20022 / REST

Your treasury, payments and reporting teams use familiar message formats and standard endpoints.

03

Custody with a Canadian trust co

Underlying assets stay where your regulator expects them. 4orm is provider-neutral on custody.

04

Settle in a regulated CAD asset

Tokenized bank deposit or regulated CAD stablecoin for atomic DvP. Settlement does not leave the banking system.

05

Supervisory feed: read-only, one-way

Aggregate metrics flow to your supervisor. STR / LCTR / EFTR detail flows from you, on your instruction, as today.

06

Pilot in the sandbox first

End-to-end KYC, AML, tokenization, trade, attestation, settlement, audit, regulatory report, all before any production change.

The sandbox program for your team

Your team runs a tokenized transaction end-to-end. No live blockchain, no real assets, no real customer data.

Mechanics and receipts mirror what production will look like. Risk and compliance teams can see exactly what regulators see, and exactly what they don't.

1Eight-step lifecycle, click through manually or run the whole flow automatically
2Three preset scenarios sized for community banks, credit unions, and Schedule I banks
3Append-only audit trail with hashes your team can copy and verify
4Per-step compliance receipts (KYC credential, AML score, attestation)
5One-click compliance report at the end, ready to hand to a regulator
6Real settlement mechanics: DvP atomic match, canonical registry write, supervisory feed
Open the sandbox →
Field guide

The terms your team will hear

Tokenization
Issuing a digital certificate of ownership for a real-world asset on a shared ledger, with the rules of who can hold or trade it written into the token itself.
RWA (Real-World Asset)
A non-crypto asset (bond, GIC, real estate, agricultural land) represented as a token.
KYC credential
A reusable, institution-attested credential carried by the customer; relied on by other member institutions under a PCMLTFA reliance-on-identification framework.
AML (anti-money laundering) screening
Sanctions and watch-list checks run at the rail before the token moves. Rail-level canonical screening reduces false-positive alert volume reaching the manual disposition tail.
DvP (Delivery versus Payment)
Asset and cash move atomically: both legs settle, or neither does.
T+0 atomic settlement
Trade-date settlement with no overnight wait and no trapped liquidity.
ERC-3643
The permissioned token standard for compliant institutional issuance.
ACSS
Automated Clearing Settlement System, the deferred-net retail batch operated by Payments Canada.
Lynx
Canada's high-value RTGS, the successor to LVTS since 2021; settles same-day in central-bank money.
EFTR
FINTRAC Electronic Funds Transfer Report, required for cross-border transfers of C$10,000 or more.
Tokenized bank deposit
Bank-issued, regulated CAD on a shared ledger; settles trades without leaving the banking system. Tokenized-deposit treatment by CDIC to be confirmed under federal guidance as the regime matures.
Canonical registry
The Canadian-anchored ledger of record. Settlement finality requires DvP match + canonical registry write + treasury confirmation, not blockchain alone.

Want to walk through this with your CRO, CAMLO, or treasurer?

Reach out for a tailored institutional brief, NDA workshop, or sandbox provisioning for your team.

compliance@kcs-capital.com →