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LABS
Services
Central Bank Digital Currency (CBDC) Prototype Development
We build functional CBDC prototypes on distributed ledger technology, focusing on interoperability with legacy systems, privacy-preserving models, and monetary policy tool integration.
Chainscore © 2026
overview
CORE SERVICE
Smart Contract Development
Secure, production-ready smart contracts built for scale and compliance.
From tokenization to complex DeFi logic, we ensure your contracts are secure, gas-optimized, and future-proof.
- Token Standards: Full
ERC-20,ERC-721,ERC-1155, andERC-4626implementations with custom extensions. - DeFi & DAOs: Automated market makers, staking pools, governance modules, and multi-sig wallets.
- Security First: Every contract undergoes static analysis, formal verification, and peer review before audit.
- Full Lifecycle: Development, testing, deployment, and upgrade management on EVM-compatible chains.
key-features-cards
TECHNICAL FOUNDATION
Core Capabilities for CBDC Prototyping
We deliver production-ready CBDC prototypes with enterprise-grade security and interoperability, enabling central banks to test monetary policy tools, payment systems, and cross-border settlement in a controlled sandbox.
01
Multi-Ledger Architecture
Prototype on permissioned (Hyperledger Besu, Corda) or hybrid blockchains. We architect for interoperability with RTGS and existing financial market infrastructure (FMI).
3+
Ledger Options
< 4 weeks
Sandbox Setup
02
Programmable Monetary Policy
Implement and test smart contracts for interest-bearing accounts, tiered limits, transaction caps, and automated liquidity provisions to simulate real-world policy tools.
10+
Policy Modules
Real-time
Parameter Updates
03
Privacy-Enhancing Technologies
Integrate zero-knowledge proofs (ZK-SNARKs) and confidential transactions to ensure transactional privacy for users while maintaining regulatory visibility for the issuer.
ZK & MPC
Privacy Methods
Selective Audit
Compliance Ready
04
Offline & Hardware Wallet Support
Develop prototypes for offline digital cash functionality and secure hardware wallet integration, ensuring accessibility and resilience in low-connectivity scenarios.
P2P
Offline Transfers
HSM-Grade
Key Security
05
Cross-Border Settlement Engine
Build prototype bridges for atomic cross-chain swaps and interoperability with other CBDCs or stablecoins using Hashed TimeLock Contracts (HTLCs) and oracle networks.
Sub-Second
Settlement Finality
Multi-Currency
FX Simulation
06
Regulatory Dashboard & Analytics
Deliver a central bank operator dashboard for real-time monitoring of money supply, transaction flows, network health, and compliance reporting.
100%
Transaction Traceability
Real-time
Economic Indicators
benefits
TANGIBLE RESULTS
Business Outcomes for Your Institution
Our CBDC prototype development delivers more than a technical proof-of-concept. We focus on the strategic, operational, and regulatory outcomes that matter to central banks and financial institutions.
01
Regulatory Confidence & Compliance
Prototypes built with built-in compliance modules (AML/CFT, transaction limits, KYC hooks) to satisfy regulator scrutiny and streamline approval processes.
ISO 27001
Security Framework
FATF Travel Rule
Compliance Ready
02
Operational Efficiency & Cost Reduction
Replace legacy settlement layers with atomic DvP/PvP, reducing interbank settlement from days to seconds and cutting operational overhead by up to 60%.
< 3 sec
Settlement Finality
60%
Lower Opex
03
Monetary Policy Tool Innovation
Test programmable monetary policy features like tiered interest rates, expiry dates, and targeted stimulus distribution in a controlled sandbox environment.
Real-time
Policy Adjustment
Granular
User Targeting
04
Future-Proof Technical Foundation
Deploy on a modular, interoperable architecture (Cosmos SDK, Hyperledger Besu) ensuring scalability to millions of TPS and seamless integration with future digital asset ecosystems.
1M+ TPS
Scalability Path
Cross-chain
Interoperable
05
Enhanced Financial Inclusion
Leverage offline transaction capabilities and lightweight wallet designs to extend secure digital currency access to unbanked and underbanked populations.
Offline Mode
Transaction Support
< 100KB
Light Client
06
Rapid Time-to-Insight
Go from concept to a fully functional, demonstrable prototype in 8-12 weeks, enabling faster stakeholder buy-in and informed public policy decisions.
8-12 weeks
To Live Prototype
Agile Sprints
Development Model
From MVP to Pilot-Ready System
Phased CBDC Prototype Development
A structured, milestone-driven approach to building and validating a Central Bank Digital Currency (CBDC) system, from initial concept to a pilot-ready solution.
| Phase & Deliverables | Proof-of-Concept (PoC) | Minimum Viable Product (MVP) | Pilot-Ready System |
|---|---|---|---|
Core Objective | Validate technical feasibility of core ledger & issuance | Demonstrate end-to-end transaction lifecycle | Deploy a secure, scalable system for limited live pilot |
Transaction Types | Basic mint, transfer, burn | Programmable payments, offline transactions, basic privacy | Batch settlements, cross-border bridges, advanced privacy (ZK) |
Throughput & Performance | Up to 100 TPS, single-node ledger | 1,000+ TPS, permissioned validator set | 10,000+ TPS, production-grade consensus |
Security & Compliance | Architecture threat model, basic access controls | Smart contract audit, regulatory gap analysis, AML/CFT rule engine | Full security audit (code & infra), CBDC-specific compliance module, penetration testing |
Wallet Integration | Command-line interface (CLI) & basic SDK | Mobile & web reference wallets, merchant APIs | Hardware wallet support, bank core system integration APIs |
Interoperability | Internal ledger interoperability | API gateway for traditional payment systems (e.g., RTGS) | Wholesale CBDC bridge prototypes, cross-chain atomic swaps |
Deployment Model | Local development environment | Staging environment on cloud infrastructure | Production-ready, geographically redundant deployment |
Support & Timeline | 8-12 weeks, with weekly syncs | 12-16 weeks, with dedicated technical lead | 16-24+ weeks, 24/7 SRE support & dedicated solution architect |
Typical Investment | $80K - $150K | $200K - $400K | Custom (Based on pilot scope) |
how-we-deliver
PROVEN FRAMEWORK
Our Development Methodology
A structured, four-phase approach to deliver a secure, scalable, and regulator-ready CBDC prototype. We focus on rapid iteration and tangible outcomes.
01
Phase 1: Architecture & Design
We define the core ledger model (UTXO vs. Account-based), consensus mechanism, and privacy framework. Deliverables include a technical specification and a high-fidelity system architecture diagram.
2-3 weeks
Specification Delivery
3+ Models
Architecture Options
02
Phase 2: Core Protocol Development
Build the foundational layer: minting/burning logic, transaction validation, and a permissioned node network. We use Hyperledger Besu or Corda for enterprise-grade privacy and control.
4-6 weeks
MVP Build Time
100%
Code Coverage Target
03
Phase 3: Wallet & API Integration
Develop a pilot-grade custodial wallet (web/mobile) and a comprehensive REST API suite for third-party integration, including balance checks and transaction initiation.
< 50ms
API Latency
OAuth2.0
Auth Standard
04
Phase 4: Security & Compliance Audit
Conduct internal and external smart contract/backend audits. We prepare a compliance report mapping the prototype to FATF Travel Rule and AML/CFT requirements.
2 Audits
Internal + External
Zero Critical
Vulnerability Goal
Technical & Commercial Insights
CBDC Prototype Development FAQs
Get clear answers to the most common questions from central banks, financial institutions, and government agencies exploring digital currency initiatives.
Our engagement follows a structured 4-phase methodology proven across 10+ central bank consultations. Phase 1: Discovery & Design (1-2 weeks) involves requirements workshops and architecture planning. Phase 2: Core Development (3-5 weeks) focuses on building the ledger, mint/burn logic, and transaction engine. Phase 3: Integration & Testing (2-3 weeks) includes wallet/API integration and security audits. Phase 4: Deployment & Knowledge Transfer (1 week). We provide a dedicated technical lead and weekly stakeholder syncs throughout.
ENQUIRY
Get In Touch
today.
Our experts will offer a free quote and a 30min call to discuss your project.
NDA Protected
Confidentiality24h Response
Time to ValueDirectly to Engineering Team
No Sales Fluff10+
Protocols Shipped
$20M+
TVL Overall