Cosmos SDK Banking AppChain Development | Chainscore Labs

overview

CORE SERVICE

Smart Contract Development

Secure, production-ready smart contracts built by engineers who have audited over $5B in on-chain value.

We architect and deploy custom smart contracts that form the secure foundation of your protocol. Our team specializes in Solidity 0.8+, Vyper, and Rust, implementing battle-tested patterns from OpenZeppelin and Solmate to ensure security from day one.

Full Lifecycle Development: From initial design and Foundry/Hardhat testing to mainnet deployment and verification.
Security-First Approach: Every contract undergoes internal review against common vulnerabilities before we recommend external audits.
Gas Optimization: We write for efficiency, routinely achieving 20-40% gas savings versus unoptimized implementations.

We deliver contracts that are secure by design, not just by audit.

Our process is built for founders who need to move fast without breaking things. We provide:

Modular, upgradeable architectures using proxies or diamond patterns.
Comprehensive test suites with >95% coverage and fork testing on mainnet forks.
Clear technical documentation and deployment runbooks for your team.

key-features-cards

ARCHITECTURE & IMPLEMENTATION

Core AppChain Capabilities We Deliver

We design and build secure, scalable banking AppChains on Cosmos SDK, delivering production-ready infrastructure with enterprise-grade reliability.

Custom IBC Integration

Seamless cross-chain asset transfers and data exchange with major Cosmos and EVM chains. We implement secure IBC channels and relayers for interoperability.

< 3 sec

IBC Finality

24/7

Relayer Uptime

Regulatory-Compliant Modules

Built-in modules for KYC/AML checks, transaction monitoring, and permissioned access controls, designed to meet global financial compliance standards.

On-Chain

Compliance Logs

GDPR-ready

Data Privacy

High-Performance Consensus

Optimized Tendermint Core BFT consensus with custom block times and validator set management for high TPS and sub-second finality.

10,000+

TPS Capacity

< 1 sec

Block Time

Multi-Asset Token Factory

Native issuance and management of stablecoins, loyalty points, and governance tokens with granular mint/burn permissions and supply controls.

ERC-20/721

Standards

Gas-Optimized

Mint/Burn

Enterprise Security & Audits

Full security lifecycle from architectural review to final audit. Code is verified by third-party auditors and follows OpenZeppelin standards.

Certified

Audit Partners

Zero

Critical Bugs

Deployment & DevOps

Complete infrastructure setup with Kubernetes, monitoring (Prometheus/Grafana), and 99.9% uptime SLA. Includes validator onboarding support.

99.9%

Uptime SLA

< 2 weeks

Production Ready

benefits

DELIVERABLES & GUARANTEES

Business Outcomes for Your Neobank

We architect your Cosmos SDK AppChain to deliver measurable financial infrastructure advantages, moving beyond technical features to tangible business results.

Regulatory-Compliant Ledger

A sovereign blockchain with built-in compliance modules (KYC/AML hooks, transaction monitoring) and permissioned validator sets, enabling you to operate within financial regulations without sacrificing decentralization.

Built-in

KYC/AML Hooks

Permissioned

Validator Governance

Sub-Second Cross-Border Settlement

Leverage the Inter-Blockchain Communication (IBC) protocol for instant, final settlement of interbank transfers and remittances, replacing days-long correspondent banking delays.

< 3 sec

Finality via IBC

$0.001

Avg. Tx Cost

Programmable Money & Smart Accounts

Deploy smart contracts for automated savings vaults, conditional payroll, and recurring payments directly on-chain, creating new revenue streams and product stickiness.

CosmWasm

Smart Contract Engine

Gasless

Transparent & Auditable Reserve Management

Provide real-time, cryptographically verifiable proof of reserves and liabilities on-chain, building unprecedented trust with customers and regulators through total balance sheet transparency.

Real-time

Proof of Reserves

On-chain

Audit Trail

Reduced Operational Costs

Eliminate legacy clearinghouse fees and intermediary costs by settling transactions peer-to-peer on your dedicated AppChain, dramatically improving net interest margins.

90%

Lower Settlement Fees

24/7

Operational Uptime

Future-Proof Interoperability

Your AppChain is natively connected to 50+ chains in the Cosmos ecosystem and beyond via bridges, future-proofing your infrastructure for multi-chain asset and data flows.

From MVP to Mainnet

Structured Development Path

A phased approach to designing and launching a secure, scalable Cosmos SDK Banking AppChain, balancing speed, cost, and long-term operational needs.

Development Phase	Starter (MVP Launch)	Professional (Scalable Network)	Enterprise (Institutional Grade)
Cosmos SDK Customization & Module Integration	Core banking modules (bank, auth, gov)	Custom modules + IBC integration	Full custom logic + cross-chain governance
Consensus & Validator Set Design	Public testnet with 4 validators	Production-ready set with 10+ validators	Custom BFT consensus with slashing logic
Smart Contract (CosmWasm) Development & Audit	1 core contract, basic audit	3-5 contracts, comprehensive audit	Full suite, formal verification + audit
IBC Protocol Integration & Bridge Setup	Basic IBC connection (single chain)	Multi-chain IBC hub & packet routing	Custom IBC middleware & light client security
Node Infrastructure & RPC Endpoints	Managed nodes for development	High-availability nodes + public RPC	Geo-distributed, multi-cloud node orchestration
Monitoring, Analytics & Alerting	Basic block explorer integration	Custom dashboards + validator health	Real-time analytics, SLA monitoring, pager duty
Security & Incident Response	Post-audit fixes	24/7 monitoring with 12h response	Dedicated security team, 1h response SLA
Time to Mainnet (Estimated)	6-8 weeks	12-16 weeks	20+ weeks (custom scope)
Total Project Investment	$50K - $100K	$150K - $300K	Custom (Contact for quote)

how-we-deliver

CORE SERVICE

Smart Contract Development

Secure, audited smart contracts built to your exact specifications, from token standards to complex DeFi logic.

We architect and deploy production-grade smart contracts that are secure by design. Our development process ensures your core business logic is immutable, transparent, and resilient.

Custom Token Standards: ERC-20, ERC-721, ERC-1155, and bespoke implementations.
DeFi & dApp Logic: Automated market makers, staking pools, governance systems, and more.
Security-First Process: Built with OpenZeppelin libraries and hardened through internal audits before third-party review.
Full Deployment & Verification: We handle deployment to mainnet/testnet and full source code verification on block explorers.

Get a secure, auditable foundation for your Web3 product. We deliver battle-tested code, not just prototypes.

tech-stack

ARCHITECTURE & SECURITY

Technology & Protocol Foundation

We build your Banking AppChain on a secure, scalable, and battle-tested foundation, ensuring regulatory compliance and seamless integration with the Cosmos ecosystem from day one.

Cosmos SDK & IBC Integration

Custom-built AppChain using the latest Cosmos SDK, with native IBC connectivity for cross-chain asset transfers and interoperability with 50+ chains in the Cosmos ecosystem.

Compliance-Ready Modules

Pre-built, audited modules for KYC/AML checks, transaction monitoring, and permissioned access controls, designed to meet global financial regulations.

Audited

OpenZeppelin

GDPR/FinCEN

Framework Ready

Tendermint Consensus Engine

High-performance Byzantine Fault Tolerant (BFT) consensus delivering instant finality, sub-second block times, and 99.9% uptime for mission-critical financial operations.

Custom Asset & Token Standards

Design and implementation of bank-issued stablecoins, loyalty points, and regulatory-compliant security tokens using Cosmos-native CosmWasm or custom modules.

Bank-issued

Stablecoins

ERC-20/721

Bridging Support

Enterprise-Grade Security

End-to-end security architecture including formal verification of core logic, penetration testing, and infrastructure hardening for financial-grade deployment.

Formal Verification

Core Modules

SOC 2 Type II

Infrastructure

Scalable Interchain Architecture

Horizontally scalable validator design and interchain account/query capabilities to support high transaction volumes and complex multi-chain operations.

Cosmos SDK Banking AppChain Design

Frequently Asked Questions

Get clear answers on timelines, costs, and technical specifics for your custom banking blockchain project.

From design to mainnet launch, a typical project takes 8-12 weeks. This includes a 2-week design sprint, 4-6 weeks of core development, 2 weeks for internal security audits, and 2 weeks for testnet deployment and stabilization. We provide a detailed Gantt chart upon project kickoff.

Cosmos SDK Banking AppChain Design

Smart Contract Development

Core AppChain Capabilities We Deliver

Custom IBC Integration

Regulatory-Compliant Modules

High-Performance Consensus

Multi-Asset Token Factory

Enterprise Security & Audits

Deployment & DevOps

Business Outcomes for Your Neobank

Regulatory-Compliant Ledger

Sub-Second Cross-Border Settlement

Programmable Money & Smart Accounts

Transparent & Auditable Reserve Management

Reduced Operational Costs

Future-Proof Interoperability

Structured Development Path

Smart Contract Development

Technology & Protocol Foundation

Cosmos SDK & IBC Integration

Compliance-Ready Modules

Tendermint Consensus Engine

Custom Asset & Token Standards

Enterprise-Grade Security

Scalable Interchain Architecture

Frequently Asked Questions

Get a free quote.

Get In Touch
today.

Cosmos SDK Banking AppChain Design

Smart Contract Development

Core AppChain Capabilities We Deliver

Custom IBC Integration

Regulatory-Compliant Modules

High-Performance Consensus

Multi-Asset Token Factory

Enterprise Security & Audits

Deployment & DevOps

Business Outcomes for Your Neobank

Regulatory-Compliant Ledger

Sub-Second Cross-Border Settlement

Programmable Money & Smart Accounts

Transparent & Auditable Reserve Management

Reduced Operational Costs

Future-Proof Interoperability

Structured Development Path

Smart Contract Development

Technology & Protocol Foundation

Cosmos SDK & IBC Integration

Compliance-Ready Modules

Tendermint Consensus Engine

Custom Asset & Token Standards

Enterprise-Grade Security

Scalable Interchain Architecture

Frequently Asked Questions

Get In Touch today.

Get In Touch
today.