decentralized finance consulting
Solution

Digital Assets

Asset tokenization is reshaping financial markets, connecting digital assets, digital money and trusted market infrastructure.

Digital assets are digital representations of value, rights or ownership that can be issued, exchanged and settled using distributed ledger technology (DLT). As regulatory frameworks mature, institutional adoption grows and organizations seek greater operational efficiency, tokenized assets, programmable money and DLT-enabled infrastructure are moving from experimentation into production. From tokenized deposits and funds to collateral mobility, digital custody and on-chain settlement, they are creating the foundations for more efficient, transparent and resilient financial markets.

Capgemini helps financial institutions turn digital asset ambition into scalable business outcomes. Our digital asset consulting capabilities span digital asset strategy, use-case and value assessment, operating model design, architecture, platform selection, regulatory alignment, legacy system integration, implementation and managed services. By combining capital markets and payments expertise with global delivery and a curated technology ecosystem, we accelerate digital asset transformation – helping clients move enterprise digital assets from proof of concept to production faster while managing risk and unlocking value at scale.

Client stories

Offline solution for the digital euro

ECB concludes a framework agreement with Giesecke+Devrient, and its partners Nexi and Capgemini to deliver offline solution for the digital euro

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Capgemini collaborates with Euroclear for Digital Financial Market Infrastructure launch

New D-FMI platform enables issuance, distribution and settlement of securities through distributed ledger technology to revolutionize capital markets.

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Maintaining digital payments in an offline world

Discover the CBDC pilot at ANZ's bluenotes.

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Our digital asset solutions

Our approach to digital assets for financial institutions covers the full lifecycle, from identifying viable use cases and shaping strategy to building, integrating and operating enterprise-grade solutions. We combine deep industry expertise, proven delivery methods and a curated technology ecosystem to connect each digital asset platform with established market infrastructure. The result is a faster, lower-risk path from concept to production, with governance and digital asset compliance built in.

Targeted digital asset and tokenization solutions that accelerate adoption and deliver faster settlement, greater liquidity mobility and lower operating costs across tokenized assets, programmable money and crypto-asset use cases.

  • Tokenized assets – asset tokenization services spanning securities tokenization, bond tokenization, fund tokenization and real world asset tokenization. Capabilities include tokenization platform implementation, collateral mobility, delivery versus payment (DvP) and lifecycle workflows – shortening issuance and settlement cycles, reducing manual processing and improving capital efficiency.
  • Programmable money – tokenized payments using tokenized deposits, stablecoins and central bank digital currencies (CBDCs), integrated with core banking, payment rails and market infrastructure, enabling automated payments, atomic settlement and more efficient digital asset settlement.
  • Crypto-asset enablement – trading and digital custody, anti-money laundering (AML) and know-your-customer (KYC) managed services, control frameworks and on- and off-ramp integration, helping institutions enter digital asset markets securely and efficiently.

Modular digital asset consulting and distributed ledger technology services for every stage of the lifecycle – supported by reusable reference architectures, integration patterns, test frameworks and accelerators.

  • Digital asset and DLT consulting for strategy, use-case and value assessment across public, permissioned and hybrid DLT architecture

  • Tokenization platform implementation using reusable reference architectures and delivery accelerators

  • Smart contract development services spanning smart contract engineering, smart contract testing and assurance

  • Legacy system integration across trading, core banking, IBOR/ABOR and enterprise systems

  • Certified specialists across analysis, architecture, engineering and delivery, with blockchain managed services to support operation and scale

Compliance-by-design digital asset compliance services embed financial crime controls, regulatory reporting, governance, auditability and operational resilience, helping organizations respond as technologies and requirements evolve.

  • KYC, AML, sanctions screening and transaction-monitoring frameworks for tokenized assets, programmable money and crypto-asset use cases

  • Regulatory reporting, auditability and control framework design, supported by horizon scanning and multi-jurisdiction alignment

  • Governance for digital asset platforms and multi-party ecosystems, with clear accountability and decision rights

  • Risk and control design for pilots, production and regulated environments

  • Testing, assurance and operating model support as technologies and requirements evolve

    Reimagining payment architecture

    Reimagining payment architecture for tokenised deposits and DLT-based funds transfer

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    Building central bank digital currency

    Central Bank Digital Currencies (CBDCs) offer secure, digital, and public access to a country’s central bank.

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    Stablecoins gain ground as trusted tools in digital finance

    Stablecoins are reshaping finance with speed, transparency, and trust – bridging traditional systems and the future of digital transactions

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      Partnership ecosystem

      Capgemini collaborates with a curated ecosystem of digital asset infrastructure and technology providers, specialists and market innovators. Together, we help financial institutions select the right capabilities, accelerate implementation and reduce the risk of moving from concept to production.

      Our ecosystem spans DLT networks and tokenization platforms; digital custody, wallets and crypto connectivity; programmable money and settlement; identity, compliance and transaction monitoring; interoperability and workflow orchestration; and specialist smart contract engineering and integration services.

      Combined with Capgemini’s consulting, engineering and systems-integration expertise, these capabilities create a more direct path from digital asset strategy to scalable, production-ready solutions – aligned to each organization’s business objectives, technology landscape and regulatory requirements.

      Awards and recognition

        Leader in Enterprise Blockchain Services

        Capgemini recognized as a Horizon 3 Market Leader in HFS Horizons.

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        Leader in Blockchain Services

        Capgemini awarded a leadership rating in Avasant’s RadarView™ report.

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          Meet our experts

          Rishabh Shah

          Rishabh Shah

          Head of DLT Capabilities, Financial Services
          Kieran Mullaley

          Kieran Mullaley

          Global Head of Capital Markets Practice
          Kieran has over 30 years of experience in working with leading capital markets firms to successfully deliver major, complex business and technology transformation initiatives.
          Jeroen Hölscher

          Jeroen Hölscher

          Global Head of Payment Services
          Jeroen is an expert in transformation programs in the cards and payments domain. He has been with Capgemini for 24 years and helps clients improve their payment products and underlying technology.
          Vivek Jain

          Vivek Jain

          Senior Director, Financial Services
          Vivek is the Sr. Director with Capgemini Financial Services. He is the global head for Digital assets CoE and leads Capital markets practice in the UK. Vivek is enabling financial institutions to build and execute digital assets strategy and help deliver tokenisation use cases across cash and asset leg leveraging DLT.
          Muhammed Ahmed

          Muhammed Ahmed

          Portfolio Manager, Financial Services
          Ahmed leads the Emerging Technology portfolio for Capgemini’s global financial services business, driving innovation across digital assets, AI, and quantum technologies. He brings extensive experience advising global banking, capital markets, payments, and insurance clients on complex technology-driven transformation programs. As Head of Partnerships for Digital Assets, he works with financial institutions, technology providers, and industry consortia to accelerate the adoption of tokenization, DLT, and programmable finance.