From 78341dcc5b8f496b6a3836148cde8575e44d1db3 Mon Sep 17 00:00:00 2001
From: Roderik van der Veer <roderik@settlemint.com>
Date: Wed, 5 Mar 2025 15:13:58 +0100
Subject: [PATCH 1/3] feat: add atk documentation

---
 .../asset-tokenization/contracts/bond.mdx     | 85 ++++++++++++++++++
 .../contracts/cryptocurrency.mdx              | 72 ++++++++++++++++
 .../asset-tokenization/contracts/equity.mdx   | 72 ++++++++++++++++
 .../asset-tokenization/contracts/fund.mdx     | 84 ++++++++++++++++++
 .../contracts/stablecoin.mdx                  | 86 +++++++++++++++++++
 .../docs/building-with-settlemint/meta.json   |  3 +-
 6 files changed, 401 insertions(+), 1 deletion(-)
 create mode 100644 content/docs/building-with-settlemint/kits/asset-tokenization/contracts/bond.mdx
 create mode 100644 content/docs/building-with-settlemint/kits/asset-tokenization/contracts/cryptocurrency.mdx
 create mode 100644 content/docs/building-with-settlemint/kits/asset-tokenization/contracts/equity.mdx
 create mode 100644 content/docs/building-with-settlemint/kits/asset-tokenization/contracts/fund.mdx
 create mode 100644 content/docs/building-with-settlemint/kits/asset-tokenization/contracts/stablecoin.mdx

diff --git a/content/docs/building-with-settlemint/kits/asset-tokenization/contracts/bond.mdx b/content/docs/building-with-settlemint/kits/asset-tokenization/contracts/bond.mdx
new file mode 100644
index 00000000..b382f167
--- /dev/null
+++ b/content/docs/building-with-settlemint/kits/asset-tokenization/contracts/bond.mdx
@@ -0,0 +1,85 @@
+---
+title: Bond
+description: Secure, Collateralized Fixed-Income Digital Asset
+---
+
+## Introduction
+
+The Bond is a digital representation of a traditional bond, enabling secure,
+transparent, and efficient fixed-income investments on a blockchain. Every
+issued Bond Token is fully backed by underlying assets, ensuring stability and
+maintaining investor confidence. It provides institutions with robust
+functionalities, including yield distribution, maturity management, asset
+redemption, comprehensive access controls, and compliance mechanisms.
+
+## Why Digital Bonds?
+
+Digital bonds integrate the reliability of traditional financial instruments
+with the flexibility and efficiency of blockchain technology. For banks and
+financial institutions, digital bonds offer streamlined issuance, reduced
+operational costs, improved transparency, and enhanced compliance and auditing
+capabilities.
+
+### Enterprise Applications:
+
+- **Institutional Investments:** Secure, auditable fixed-income investments with
+  clear, blockchain-based issuance and redemption.
+- **Treasury Optimization:** Efficient digital management of fixed-income
+  portfolios.
+- **Settlement Efficiency:** Automate bond settlements, reducing processing time
+  and operational risks.
+- **Liquidity Management:** Enhance liquidity management by easily redeeming
+  bonds and distributing yields.
+
+## Contract Features and Capabilities
+
+### Collateralized Bond Issuance
+
+- Bonds are issued with a fixed face value backed by an underlying ERC20 asset,
+  ensuring secure and transparent value retention.
+
+### Maturity and Redemption
+
+- Bonds have a defined maturity date after which holders can redeem tokens for
+  underlying assets, providing predictable liquidity and return.
+- Redemption can only occur post-maturity, ensuring controlled and predictable
+  lifecycle management.
+
+### Yield Distribution
+
+- Supports regular yield distributions to token holders, leveraging built-in
+  yield mechanisms to automate periodic payments, simplifying asset management.
+
+### Comprehensive Access Control
+
+- **Supply Management Role:** Authority to mint tokens, manage supply, and
+  oversee collateral to ensure compliance with financial regulations.
+- **User Management Role:** Manages user permissions, including account
+  blocking, ensuring regulatory compliance and security.
+- **Admin Role:** Controls key functionalities like pausing transfers and token
+  operations during regulatory actions or emergencies.
+
+### Security and Regulatory Compliance
+
+- **Pause and Unpause Functionality:** Allows controlled suspension of token
+  transfers, ensuring compliance and response capabilities in critical
+  situations.
+- **Blocklist Functionality:** Facilitates user blocking/unblocking for AML/KYC
+  compliance.
+
+### Meta-Transaction Support
+
+- Implements ERC2771, enabling third-party payment of gas fees, improving
+  accessibility and ease-of-use for institutional stakeholders.
+
+### Transparent Yield Distribution and Auditing
+
+- Integrated historical balance tracking ensures clear and transparent yield
+  calculations and distributions.
+- Detailed event logging provides comprehensive records for auditing, enhancing
+  regulatory compliance and investor confidence.
+
+## Conclusion
+
+Bond empowers financial institutions to modernize fixed-income management
+securely, efficiently, and compliantly through advanced blockchain technology.
diff --git a/content/docs/building-with-settlemint/kits/asset-tokenization/contracts/cryptocurrency.mdx b/content/docs/building-with-settlemint/kits/asset-tokenization/contracts/cryptocurrency.mdx
new file mode 100644
index 00000000..0cf563dc
--- /dev/null
+++ b/content/docs/building-with-settlemint/kits/asset-tokenization/contracts/cryptocurrency.mdx
@@ -0,0 +1,72 @@
+---
+title: CryptoCurrency
+description: Reliable and Customizable Digital Asset
+---
+
+## Introduction
+
+The CryptoCurrency contract provides a secure and customizable ERC20 token
+designed to meet the rigorous needs of financial institutions and enterprises.
+It includes advanced role-based access control, robust minting capabilities, and
+built-in support for meta-transactions, ensuring security, usability, and
+compliance. With features tailored for institutional-grade management, it
+simplifies digital asset issuance, administration, and operational oversight.
+
+## Why Use Digital Tokens?
+
+Digital tokens like CryptoCurrency empower enterprises and financial
+institutions by providing efficient, transparent, and secure asset management
+solutions. They streamline transactions, enhance compliance, and reduce costs
+associated with traditional financial processes.
+
+### Enterprise Applications:
+
+- **Institutional Asset Management:** Efficiently manage and track institutional
+  funds.
+- **Corporate Payments:** Enable swift and transparent payments across global
+  operations.
+- **Loyalty and Reward Programs:** Digitally manage loyalty points or rewards
+  securely and transparently.
+- **Supply Chain Finance:** Facilitate smooth payments and settlements across
+  supply chain networks.
+
+## Contract Features and Capabilities
+
+### Minting and Supply Management
+
+- Authorized roles control token issuance, allowing enterprises precise
+  management of token supply in compliance with financial regulations.
+- Tokens can be minted dynamically, enabling flexibility in response to
+  operational demands.
+
+### Robust Role-Based Controls
+
+- **Supply Management Role:** Manages token minting, providing secure control
+  over asset issuance.
+- **Admin Role:** Has comprehensive governance capabilities, including emergency
+  interventions, administrative operations, and token security oversight.
+
+### Security and Regulatory Compliance
+
+- Built-in access control ensures only authorized personnel perform critical
+  operations, significantly enhancing security and regulatory adherence.
+- Supports safe withdrawal of mistakenly sent ERC20 tokens, safeguarding asset
+  integrity.
+
+### Meta-Transaction Capability
+
+- Integrates ERC2771 to allow transactions to be relayed by third parties,
+  significantly improving accessibility and user experience by enabling gasless
+  transactions for end-users.
+
+### Customizable Token Parameters
+
+- Token details such as decimals, initial supply, and token naming are
+  configurable at deployment, offering adaptability to diverse enterprise
+  requirements.
+
+## Conclusion
+
+CryptoCurrency ensures enterprises and financial institutions manage digital
+assets securely, efficiently, and in alignment with regulatory requirements,
+empowering a new level of financial innovation and operational excellence.
diff --git a/content/docs/building-with-settlemint/kits/asset-tokenization/contracts/equity.mdx b/content/docs/building-with-settlemint/kits/asset-tokenization/contracts/equity.mdx
new file mode 100644
index 00000000..e6f4a79b
--- /dev/null
+++ b/content/docs/building-with-settlemint/kits/asset-tokenization/contracts/equity.mdx
@@ -0,0 +1,72 @@
+---
+title: Equity
+description: Institutional-Grade Digital Equity Management
+---
+
+## Introduction
+
+The Equity is a robust, ERC20-compatible security token designed for managing
+equity ownership digitally. Tailored specifically for banks, corporations, and
+institutional investors, this contract facilitates secure, transparent equity
+issuance with advanced governance features, including voting rights, role-based
+administration, compliance mechanisms, and support for meta-transactions.
+
+## Why Digital Equity Tokens?
+
+Digital Equity Tokens modernize traditional equity management by combining
+blockchain transparency with stringent institutional requirements. They
+streamline equity administration, enhance governance through digital voting, and
+significantly simplify regulatory compliance and reporting.
+
+### Enterprise Applications:
+
+- **Equity Issuance and Management:** Digitally issue and manage different
+  equity classes and categories efficiently.
+- **Investor Voting and Governance:** Facilitate transparent and secure
+  shareholder voting, ensuring robust corporate governance.
+- **Regulatory Compliance:** Leverage built-in compliance and access control
+  mechanisms to adhere strictly to regulatory standards.
+- **Institutional Transparency:** Enhance transparency and auditability of
+  equity holdings and transfers.
+
+## Contract Features and Capabilities
+
+### Voting and Governance
+
+- Implements advanced voting mechanisms via ERC20Votes, enabling digital
+  shareholder voting and governance participation.
+- Transparent tracking of voting power ensures accurate governance outcomes.
+
+### Robust Role-Based Access Control
+
+- **Supply Management Role:** Authorized roles manage equity token issuance,
+  ensuring secure and compliant control over the equity supply.
+- **User Management Role:** Administers critical user operations such as
+  blocking or unblocking addresses, enhancing security and compliance.
+- **Administrator Role:** Holds comprehensive operational oversight, including
+  emergency pausing and critical token security actions.
+
+### Security and Compliance
+
+- **Pause Functionality:** Allows administrators to suspend operations during
+  audits, regulatory interventions, or emergencies.
+- **Blocklist Capability:** Supports regulatory compliance with built-in
+  mechanisms to manage and restrict token access for specific users.
+
+### Meta-Transaction Support
+
+- Implements ERC2771 to facilitate transactions via third-party relayers,
+  enabling user-friendly, gasless transactions essential for institutional
+  users.
+
+### Customizable Equity Classes and Categories
+
+- Equity types and categories (e.g., Common, Preferred, Series A, Seed) can be
+  clearly defined at deployment, providing flexibility aligned with enterprise
+  requirements.
+
+## Conclusion
+
+Equity empowers institutions with advanced digital equity management tools that
+streamline issuance, governance, and compliance, significantly enhancing
+transparency, security, and operational efficiency.
diff --git a/content/docs/building-with-settlemint/kits/asset-tokenization/contracts/fund.mdx b/content/docs/building-with-settlemint/kits/asset-tokenization/contracts/fund.mdx
new file mode 100644
index 00000000..ee3ed9e6
--- /dev/null
+++ b/content/docs/building-with-settlemint/kits/asset-tokenization/contracts/fund.mdx
@@ -0,0 +1,84 @@
+---
+title: Fund
+description: Institutional-Grade Digital Fund Management
+---
+
+## Introduction
+
+The Fund is an advanced ERC20-compliant security token tailored explicitly for
+financial institutions managing digital investment funds. It integrates
+sophisticated features such as management fee collection, secure governance with
+voting capabilities, robust role-based access control, and compliance-focused
+functionalities, enabling transparent, efficient, and secure management of
+digital investment vehicles.
+
+## Why Digital Fund Tokens?
+
+Digital Fund Tokens significantly enhance traditional fund management by
+leveraging blockchain technology to provide transparency, reduce administrative
+overhead, simplify fee management, and enforce stringent compliance standards.
+They offer institutions clear visibility, efficient operational controls, and
+streamlined governance.
+
+### Enterprise Applications:
+
+- **Investment Fund Management:** Efficiently manage shares in mutual funds,
+  hedge funds, and other investment vehicles digitally.
+- **Fee Automation:** Automate calculation and collection of management and
+  performance fees, simplifying fund administration.
+- **Corporate Governance:** Enhance governance through integrated voting
+  mechanisms, providing transparent shareholder participation.
+- **Regulatory Compliance:** Strengthen regulatory adherence through built-in
+  compliance and blocklist capabilities.
+
+---
+
+## Contract Features and Capabilities
+
+### Automated Fee Management
+
+- Automatically calculates and collects management fees based on assets under
+  management (AUM) and time elapsed, ensuring consistent and transparent fee
+  distribution.
+
+### Voting and Governance
+
+- Integrated ERC20Votes functionality ensures secure, transparent, and auditable
+  shareholder voting and decision-making processes.
+- Accurate tracking of voting power enables effective governance and enhances
+  investor trust.
+
+### Role-Based Access Control
+
+- **Supply Management Role:** Controls token issuance and withdrawal of
+  mistakenly sent assets, ensuring precise oversight of the fund’s financial
+  operations.
+- **User Management Role:** Manages critical compliance operations, including
+  user blocking/unblocking to maintain regulatory standards.
+- **Administrator Role:** Comprehensive control over key functionalities, such
+  as pausing transfers during compliance audits or emergencies.
+
+### Security and Compliance
+
+- **Pause Capability:** Allows temporary suspension of operations, enhancing
+  security during audits or in response to regulatory requirements.
+- **Blocklist Functionality:** Implements compliance-focused mechanisms to
+  restrict or permit specific user interactions effectively.
+
+### Meta-Transaction Support
+
+- Implements ERC2771, enabling third-party relayed transactions to simplify and
+  enhance user interactions by allowing gas-free transactions for investors and
+  institutional stakeholders.
+
+### Customizable Fund Attributes
+
+- Define fund classes (e.g., Hedge Fund, Mutual Fund) and categories (e.g.,
+  Long/Short Equity, Global Macro) at deployment, offering flexibility aligned
+  with distinct institutional needs.
+
+## Conclusion
+
+Fund equips financial institutions with the tools to seamlessly digitize fund
+operations, enforce strong governance standards, and ensure comprehensive
+regulatory compliance in an efficient and transparent manner.
diff --git a/content/docs/building-with-settlemint/kits/asset-tokenization/contracts/stablecoin.mdx b/content/docs/building-with-settlemint/kits/asset-tokenization/contracts/stablecoin.mdx
new file mode 100644
index 00000000..576fcbfa
--- /dev/null
+++ b/content/docs/building-with-settlemint/kits/asset-tokenization/contracts/stablecoin.mdx
@@ -0,0 +1,86 @@
+---
+title: Stablecoin
+description: A Secure and Collateralized Digital Currency
+---
+
+## Introduction
+
+Stablecoins are digital currencies designed to maintain a stable value by being
+backed by real-world assets or reserves. They offer the advantages of digital
+assets—such as speed, transparency, and programmability—while avoiding price
+volatility typically associated with cryptocurrencies. This StableCoin contract
+ensures every token issued is fully collateralized, providing institutions with
+secure, auditable, and reliable digital money management. Key features include
+collateral-backed issuance, comprehensive role-based controls, robust pause
+mechanisms, and regulatory compliance capabilities.
+
+## Why Stablecoins?
+
+Stablecoins bridge traditional finance with modern digital solutions, providing
+enterprises, banks, and financial institutions secure methods for transactions,
+settlements, and asset management. They facilitate real-time payments,
+streamline international remittances, reduce transactional friction, and
+significantly improve settlement efficiency.
+
+### Key Enterprise Use Cases:
+
+- **Cross-border Settlements:** Facilitate near-instant, low-cost international
+  transactions.
+- **Treasury Management:** Offer secure, transparent, and efficient handling of
+  corporate liquidity.
+- **Supply Chain Finance:** Provide rapid settlement solutions enhancing
+  liquidity across the supply chain.
+- **Asset Tokenization:** Allow tokenization of traditional assets for improved
+  market liquidity and fractional ownership.
+- **Central Bank Digital Currencies (CBDCs):** Serve as a foundational
+  technology for central banks exploring digital currency issuance.
+
+---
+
+## Contract Features and Capabilities
+
+### Fully Collateralized Issuance
+
+- Ensures each token minted is backed by sufficient collateral, maintaining
+  intrinsic value stability and market confidence.
+- Regular collateral proof updates and transparent tracking to guarantee asset
+  backing.
+
+### Robust Access and Role Management
+
+- **Supply Management Role:** Controls minting of new tokens and updates to
+  collateral amounts, maintaining regulatory compliance and financial security.
+- **User Management Role:** Allows user operations such as blocking/unblocking
+  accounts, enhancing security, and regulatory compliance.
+- **Administrator Role:** Comprehensive control over pausing and unpausing token
+  operations, critical for incident response and compliance adherence.
+
+### Security and Regulatory Compliance
+
+- **Pause Functionality:** Allows administrators to halt token transfers in
+  emergencies or for compliance-related activities.
+- **Blocklist Functionality:** Enables effective management of users for
+  regulatory purposes, ensuring compliance with AML/KYC regulations.
+
+### Custodial and Meta-transaction Support
+
+- Supports custodial account management, providing institutions robust control
+  over user accounts.
+- Implements ERC2771 for meta-transactions, enhancing usability by allowing
+  third-party transaction relaying and covering gas fees on behalf of users.
+
+### Comprehensive Error Handling and Event Logging
+
+- Efficient error handling with descriptive error codes enhances contract
+  security and reduces operational risk.
+- Transparent event logging ensures traceability of token issuance, collateral
+  updates, and administrative actions, ensuring full compliance and
+  auditability.
+
+## Conclusion
+
+StableCoin provides enterprises and financial institutions a secure,
+transparent, and compliant method for leveraging digital asset technology in
+traditional finance. This smart contract is designed to meet rigorous security
+standards and regulatory requirements, ensuring stability, trust, and
+operational efficiency.
diff --git a/content/docs/building-with-settlemint/meta.json b/content/docs/building-with-settlemint/meta.json
index 8244e5f6..0b6c56ab 100644
--- a/content/docs/building-with-settlemint/meta.json
+++ b/content/docs/building-with-settlemint/meta.json
@@ -32,6 +32,7 @@
     "audit-logs",
     "resource-usage",
     "health-monitoring-tools",
-    "deployment-plans"
+    "deployment-plans",
+    "kits"
   ]
 }

From 9b24b756bf2d8ce784a80b2cbb2df51d31cb58da Mon Sep 17 00:00:00 2001
From: Roderik van der Veer <roderik@settlemint.com>
Date: Fri, 14 Mar 2025 18:04:50 +0100
Subject: [PATCH 2/3] add TD

---
 .../contracts/tokenized-deposits.mdx          | 68 +++++++++++++++++++
 1 file changed, 68 insertions(+)
 create mode 100644 content/docs/building-with-settlemint/kits/asset-tokenization/contracts/tokenized-deposits.mdx

diff --git a/content/docs/building-with-settlemint/kits/asset-tokenization/contracts/tokenized-deposits.mdx b/content/docs/building-with-settlemint/kits/asset-tokenization/contracts/tokenized-deposits.mdx
new file mode 100644
index 00000000..090f3344
--- /dev/null
+++ b/content/docs/building-with-settlemint/kits/asset-tokenization/contracts/tokenized-deposits.mdx
@@ -0,0 +1,68 @@
+---
+title: Tokenized Deposits
+description: A Secure and Compliant Digital Deposits
+---
+
+## Introduction
+
+The Tokenized Deposit contract provides financial institutions a secure,
+transparent, and compliant digital representation of traditional deposits.
+Designed specifically for regulated environments, it offers robust controls such
+as customizable allowlists, role-based access management, custodial oversight,
+and built-in compliance mechanisms. It streamlines deposit management by
+digitizing traditional banking deposits with blockchain efficiency and
+transparency.
+
+## Why Tokenized Deposits?
+
+Tokenized deposits modernize traditional banking processes by enabling real-time
+transactions, enhancing regulatory compliance, and significantly improving
+transparency and auditability. They bridge conventional finance and blockchain
+technology, simplifying deposit management for institutions.
+
+### Enterprise Applications:
+
+- **Institutional Deposit Management:** Securely manage and track institutional
+  deposits digitally.
+- **Interbank Settlements:** Streamline interbank transfers with enhanced
+  transparency and reduced settlement times.
+- **Compliance Management:** Utilize built-in allowlisting and custodial
+  features to enforce strict regulatory compliance.
+- **Operational Efficiency:** Enhance operational efficiencies with automated,
+  blockchain-based transactions and reconciliations.
+
+## Contract Features and Capabilities
+
+### Secure and Controlled Issuance
+
+- Role-based minting ensures tokens are only issued by authorized personnel,
+  aligning with stringent compliance and regulatory standards.
+
+### Robust Access Controls
+
+- **Supply Management Role:** Securely controls asset issuance, ensuring
+  compliance with internal and external regulatory requirements.
+- **User Management Role:** Manages allowlisting of user accounts, providing
+  precise operational and compliance control.
+- **Administrator Role:** Comprehensive management capabilities, including
+  emergency pausing and secure withdrawal of mistakenly sent tokens.
+
+### Compliance and Security
+
+- **Allowlist Functionality:** Ensures that only pre-approved users can hold or
+  transact assets, providing essential regulatory compliance.
+- **Pause Capability:** Allows administrators to halt operations during
+  regulatory audits or emergencies, ensuring compliance and operational
+  integrity.
+
+### Custodial and Meta-Transaction Support
+
+- Integrated custodial oversight for institutional-grade asset management.
+- Implements ERC2771 for meta-transactions, enhancing user experience by
+  enabling gas-free transactions.
+
+## Conclusion
+
+Tokenized Deposit delivers secure, compliant, and efficient digital deposit
+management, empowering financial institutions to seamlessly integrate blockchain
+advantages with traditional banking operations.

From 8afffdb74545082deb1fe401d56d046e27ee595f Mon Sep 17 00:00:00 2001
From: Roderik van der Veer <roderik@settlemint.com>
Date: Fri, 14 Mar 2025 19:11:55 +0100
Subject: [PATCH 3/3] usecases

---
 .../kits/asset-tokenization/usecases/bond.mdx | 59 +++++++++++++
 .../usecases/cryptocurrency.mdx               | 65 +++++++++++++++
 .../asset-tokenization/usecases/equity.mdx    | 72 ++++++++++++++++
 .../kits/asset-tokenization/usecases/fund.mdx | 82 +++++++++++++++++++
 .../usecases/stablecoin.mdx                   | 43 ++++++++++
 .../usecases/tokenized-deposits.mdx           | 78 ++++++++++++++++++
 6 files changed, 399 insertions(+)
 create mode 100644 content/docs/building-with-settlemint/kits/asset-tokenization/usecases/bond.mdx
 create mode 100644 content/docs/building-with-settlemint/kits/asset-tokenization/usecases/cryptocurrency.mdx
 create mode 100644 content/docs/building-with-settlemint/kits/asset-tokenization/usecases/equity.mdx
 create mode 100644 content/docs/building-with-settlemint/kits/asset-tokenization/usecases/fund.mdx
 create mode 100644 content/docs/building-with-settlemint/kits/asset-tokenization/usecases/stablecoin.mdx
 create mode 100644 content/docs/building-with-settlemint/kits/asset-tokenization/usecases/tokenized-deposits.mdx

diff --git a/content/docs/building-with-settlemint/kits/asset-tokenization/usecases/bond.mdx b/content/docs/building-with-settlemint/kits/asset-tokenization/usecases/bond.mdx
new file mode 100644
index 00000000..2262c5ad
--- /dev/null
+++ b/content/docs/building-with-settlemint/kits/asset-tokenization/usecases/bond.mdx
@@ -0,0 +1,59 @@
+---
+title: Bond
+description: Secure, Collateralized Fixed-Income Digital Asset
+---
+
+Tokenized bonds are digital representations of fixed-income securities issued
+and managed on a blockchain. They allow automation of the bond lifecycle, from
+issuance to trading to maturity, with enhanced transparency. Key use cases
+include:
+
+- **Automated Bond Issuance & Servicing:** Banks can run bond issuance on
+  blockchain platforms, automating the workflow of creating and distributing new
+  bonds to investors. Smart contracts handle tasks like investor whitelisting,
+  subscription processing, and token issuance, reducing manual paperwork and
+  underwriting costs. Once issued, the bond’s terms (coupon rate, maturity date,
+  etc.) are encoded in the token contract, so interest (coupon) payments and
+  principal redemptions execute automatically on schedule. This automation has
+  led to significant efficiency gains – for example, one platform saw coupon
+  payment processing become 92% faster – and ensures investors are paid on time
+  without human error.
+- **Faster Settlement & Reduced Counterparty Risk:** In secondary market
+  trading, tokenized bonds settle almost instantly via atomic
+  delivery-versus-payment. This means a trade either clears in full or not at
+  all, eliminating the risk of one party failing to deliver. Immediate (T+0)
+  settlement contrasts with the traditional T+2 days cycle, freeing up capital
+  and reducing systemic risk from pending trades. HSBC’s tokenized bond pilot,
+  for instance, achieved a 90% reduction in settlement times and a 65% decrease
+  in operational costs by using blockchain. Faster settlement also means lower
+  collateral requirements and improved liquidity for bond trading desks.
+- **Enhanced Secondary Market Liquidity:** Digital bonds enable fractional
+  ownership and wider access, allowing smaller investors or institutions to
+  participate in markets traditionally limited to large players. By lowering
+  investment minimums, tokenization boosts liquidity – Singapore’s SGX digital
+  bond platform saw market participation increase by 300% thanks to fractional
+  bond tokens. Bonds that are tokenized can be traded peer-to-peer on regulated
+  digital exchanges 24/7, expanding the investor base and creating continuous
+  markets. Greater liquidity not only helps investors by providing easier entry
+  and exit, but also can lead to better price discovery for issuers.
+- **Continuous Compliance & Tracking:** Every transaction and holder of a
+  tokenized bond is recorded on a shared ledger, providing a single source of
+  truth for regulators, issuers, and investors. This real-time visibility into
+  ownership and transaction history makes it easier to meet compliance
+  standards, since there’s a clear, tamper-proof record of the bond’s journey.
+  Smart contracts can enforce regulatory rules (for example, preventing a
+  transfer if the recipient isn’t whitelisted or if it would breach ownership
+  concentration limits). Such features dramatically cut down on reconciliation
+  efforts – studies report up to an 85% decrease in manual reconciliation when
+  bonds are tokenized – and simplify the task of auditing bond transactions and
+  adherence to covenants.
+- **Institutional Investment Innovation:** Financial institutions can create new
+  fixed-income products by leveraging programmable bonds. For example, a bank
+  could issue a tokenized bond that dynamically adjusts its coupon based on a
+  reference rate, with the smart contract automatically handling rate changes.
+  Institutions could also bundle tokenized bonds to create structured products
+  or ETFs more easily, since the digital format simplifies managing the basket
+  of underlying assets. These digital bonds can be integrated into treasury
+  management systems or used as collateral in repo and lending operations with
+  instant transfer of ownership, increasing the velocity and utility of bonds in
+  the financial system.
diff --git a/content/docs/building-with-settlemint/kits/asset-tokenization/usecases/cryptocurrency.mdx b/content/docs/building-with-settlemint/kits/asset-tokenization/usecases/cryptocurrency.mdx
new file mode 100644
index 00000000..8c887708
--- /dev/null
+++ b/content/docs/building-with-settlemint/kits/asset-tokenization/usecases/cryptocurrency.mdx
@@ -0,0 +1,65 @@
+---
+title: CryptoCurrency
+description: Reliable and Customizable Digital Asset
+---
+
+Beyond stablecoins, banks can develop or utilize digital currencies (not
+necessarily pegged 1:1 to fiat) for specific purposes. These customizable tokens
+can be designed with particular features (e.g. programmed supply, rules for
+usage) to serve institutional goals. Key use cases include:
+
+- **Cross-Border Remittances**: Banks can offer faster and cheaper international
+  remittance services by leveraging cryptocurrency networks. Instead of using a
+  chain of correspondent banks (which is slow and fee-laden), a bank can convert
+  fiat to a digital currency and send it directly to a partner institution
+  abroad for conversion to local fiat. This crypto rail can settle transfers in
+  minutes at a fraction of the cost – transactions on blockchain can clear for
+  under $0.01, dramatically cheaper than traditional payment networks. By
+  reducing fees and delays, banks not only save costs but also make remittances
+  more accessible, supporting financial inclusion for migrant workers and others
+  sending money home.
+- **Programmable Treasury Management**: Large organizations and banks themselves
+  can use a programmable digital currency for treasury operations. For example,
+  a bank-issued token could be used by a corporate client to automate supplier
+  payments: funds are held in escrow as tokens and released via smart contract
+  once goods are delivered. Citi’s own trials showed that using tokenized cash,
+  a corporate treasury was able to “initiate and program instant payments and
+  liquidity movement” between its accounts, eliminating friction from cutoff
+  times. This kind of programmable treasury service transforms cash management
+  into a real-time, responsive operation, reducing manual workflows and errors.
+  It also enhances security by ensuring funds move only when predefined
+  conditions (verified on-chain) are met.
+- **Financial Inclusion Initiatives**: Custom digital currencies can be used by
+  banks or NGOs to provide banking services to unbanked populations. For
+  instance, a bank might issue a stable-value crypto token that people in remote
+  areas can hold and transact via mobile phones, without needing a traditional
+  bank account. Because crypto transactions are low-cost and can be as small as
+  a few cents, this enables viable micro-payments and micro-savings programs.
+  Stablecoins and CBDC-like tokens, if well-designed and regulated, could be
+  used widely as a means of payment, helping include the 1.7 billion adults
+  currently outside the financial system. By lowering barriers (no minimum
+  balance, negligible fees), banks can extend services to new customer segments
+  while maintaining control over issuance and compliance.
+- **Cross-Currency Settlement Bridge**: An institutional cryptocurrency can
+  serve as a bridge asset for FX transactions. In this model, Bank A can convert
+  Currency X into a digital token and instantly transfer it to Bank B, which
+  redeems it into Currency Y – effectively performing X→Y conversion via a
+  token. This streamlines foreign exchange by bypassing multiple intermediaries.
+  The World Bank has noted that such an intermediate crypto step in cross-border
+  payments allows greater efficiency in conversions. By settling FX trades
+  on-chain, banks reduce exchange settlement risk and can offer better rates to
+  customers. These custom FX tokens could even be programmed to carry FX hedging
+  contracts or to self-destruct after the transaction, adding safety and
+  control.
+- **DeFi Integration for Institutional Yield**: With proper safeguards, banks
+  can deploy custom digital currencies to access decentralized finance
+  opportunities. For instance, an institution could create a tokenized dollar
+  (with strict whitelisting) that can be used in approved liquidity pools or
+  lending platforms to earn yield on excess cash. This opens up new revenue
+  streams – the bank’s programmable token could interact only with vetted smart
+  contracts, ensuring security and compliance while still benefiting from DeFi’s
+  efficiencies. Such use cases are exploratory but illustrate how a custom
+  crypto asset lets banks dip into innovative financial markets (like automated
+  market making or tokenized asset lending) under controlled conditions. The
+  result is potentially higher returns on reserves or new product offerings for
+  clients, achieved in a secure, compliant manner.
diff --git a/content/docs/building-with-settlemint/kits/asset-tokenization/usecases/equity.mdx b/content/docs/building-with-settlemint/kits/asset-tokenization/usecases/equity.mdx
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+---
+title: Equity
+description: Institutional-Grade Digital Equity Management
+---
+
+Tokenized equity involves converting shares of a company or fund into digital
+tokens on a blockchain. These tokens confer ownership rights and often built-in
+governance features (like voting or dividends). Financial institutions can use
+tokenized equity for new investment platforms and to enhance corporate
+governance processes:
+
+- **Tokenized Private Equity & Illiquid Assets**: Banks and asset managers can
+  digitize shares of private companies or real assets into tokens, allowing
+  fractional ownership and easier transfer. This opens up traditionally illiquid
+  investments to a broader pool of investors by lowering minimum ticket sizes.
+  For example, a private equity fund could tokenize its LP shares so that
+  smaller institutions or accredited investors can buy portions and trade them
+  on a secondary market. Tokenization has the potential to increase liquidity by
+  enabling 24/7 peer-to-peer trading of assets that once required years to exit.
+  Investors benefit from flexibility (they can rebalance or sell earlier), while
+  asset owners enjoy a larger capital base and potentially higher valuations due
+  to improved marketability.
+- **Shareholder Voting & Governance**: On-chain voting mechanisms can be
+  implemented through tokenized equity. Each equity token can carry proportional
+  voting rights that shareholders exercise through blockchain-based ballots.
+  This greatly streamlines corporate governance – votes are recorded immutably
+  and instantly tallied by smart contracts, reducing errors and the risk of
+  fraud in proxy voting. Shareholders (even across borders) can participate in
+  AGMs remotely, increasing engagement. For banks handling shareholder services,
+  this means lower administrative cost (no mailing of paper ballots or manual
+  counts) and more secure, transparent outcomes. Enhanced governance builds
+  investor trust as every decision is auditable on-chain.
+- **Real-Time Cap Table Management**: With tokenized equity, a company’s cap
+  table (ownership register) updates automatically with each token transfer.
+  This real-time cap table management simplifies due diligence and compliance –
+  companies always know who their shareholders are, and certain transfers can be
+  restricted via code to comply with regulations (e.g., blocking unaccredited
+  investors). The blockchain serves as a single source of truth for ownership
+  stakes, eliminating the need to reconcile records across lawyers, transfer
+  agents, and custodians. Moreover, corporate actions like stock splits,
+  dividends, or buybacks can be executed through smart contracts to instantly
+  reflect on all token holders, reducing operational complexity for the issuing
+  company.
+- **Enhanced Corporate Governance & Transparency**: Tokenized equity can improve
+  overall governance by providing unprecedented transparency and investor
+  involvement. Key corporate information (like financial reports or cap table
+  changes) can be shared on the token platform, giving stakeholders up-to-date
+  data. If the equity tokens are used in a consortium or private market,
+  regulators could even be given observer nodes to oversee transactions,
+  ensuring compliance in real time. Such transparency, combined with automated
+  compliance checks, means that regulatory reporting is largely built-in – for
+  instance, an equity token could automatically prevent trades that would
+  violate ownership disclosure thresholds. Companies benefit from stronger
+  governance practices and easier audits, while investors enjoy greater
+  confidence in the integrity of the market.
+- **Innovative Investment Products**: Financial institutions can create new
+  investment vehicles using tokenized equity. For example, a bank might offer a
+  tokenized index fund or ETF where each token represents a small slice of a
+  diversified equity portfolio, allowing clients to buy into the fund with ease
+  and trade those positions on a secondary market. Tokens can also carry
+  programmed rights – e.g., a revenue-sharing token where investors get a
+  percentage of profits. This kind of financial product innovation is simpler
+  with tokenized equity because distribution and management are handled via
+  smart contracts. It reduces costs associated with issuing and administering
+  funds (no lengthy paper processes or multiple intermediaries), savings that
+  can be passed on to investors or retained as margin by the institution.
+
+> Overall, tokenized equity reduces friction in equity markets – it cuts costs
+> for raising capital and trading shares, provides global 24/7 market access,
+> and unlocks liquidity in assets like private stock that once had none. These
+> benefits come while staying within existing securities law frameworks, as
+> tokens can be coded to enforce the same rules as traditional shares.
diff --git a/content/docs/building-with-settlemint/kits/asset-tokenization/usecases/fund.mdx b/content/docs/building-with-settlemint/kits/asset-tokenization/usecases/fund.mdx
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+---
+title: Fund
+description: Institutional-Grade Digital Fund Management
+---
+
+Tokenizing a fund means representing investor ownership (fund shares or units)
+as digital tokens on a blockchain. This modernizes fund administration and
+investor interactions, leading to greater efficiency and transparency. Use cases
+for financial institutions include:
+
+- **Automated Fund Distribution**: Distributions of profits or dividends from a
+  fund to investors can be automated via smart contracts. When a tokenized fund
+  earns income (e.g., interest, rent, or exits from investments), the smart
+  contract can instantly calculate each investor’s share and pay it out in
+  digital currency or reinvest according to preset options. This removes delays
+  in manual calculations and wire transfers – once the fund’s accounts are
+  settled, investors receive their due almost immediately. Blockchain-based
+  funds have demonstrated automated dividend distribution, with tokens
+  seamlessly transferring value to holders without human intervention. The
+  result is timely payments, lower administrative costs, and increased trust
+  from investors who see transparency in how and when distributions occur.
+- **Investor Governance & Engagement**: A tokenized fund can also issue
+  governance tokens or use its security tokens to let investors vote on certain
+  decisions (much like shareholders in a company). For example, limited partners
+  in a digital fund might vote on extending the fund’s life or on approving
+  significant asset purchases, all through a secure on-chain voting process.
+  This capability gives investors a more direct voice and can be especially
+  useful in alternative investment funds, where investors often negotiate for
+  advisory committee rights. By conducting these votes via blockchain, outcomes
+  are instantly recorded and verifiable, and the process is accessible to global
+  investors without coordinating physical meetings. This democratic and
+  transparent approach can make a fund more attractive to investors who value
+  influence and insight into their investments.
+- **Real-Time Auditing and Reporting**: Tokenized fund platforms provide
+  real-time auditability of fund transactions and holdings. Every contribution,
+  redemption, trade, or valuation event can be logged on the blockchain,
+  creating an immutable history of the fund’s operations. Fund auditors and
+  regulators can be granted permissioned access to this ledger, allowing them to
+  verify NAV (Net Asset Value) calculations or asset custody in near real time.
+  This continuous audit trail reduces the time and cost of traditional fund
+  audits, which often involve sampling and reconciling records from multiple
+  parties. It also enhances security by making it very difficult to conceal
+  improper transactions – any movement of assets is recorded and visible.
+  Overall, this transparency strengthens compliance as fund managers can
+  demonstrate adherence to investment mandates and restrictions at all times.
+- **Streamlined Compliance & Administration**: Many administrative tasks in fund
+  management can be automated or simplified with tokenization. Investor
+  onboarding (KYC/AML checks) can be integrated such that only verified
+  investors can hold the fund tokens, and any transfer triggers compliance
+  checks programmatically. This can lead to huge efficiency gains – industry
+  research indicates tokenization can “streamline, automate, and simplify most
+  stages” of alternative investment management. Smart contracts can automate
+  capital calls (notifying investors and updating their contributions when new
+  capital is needed), as well as fee calculations (management and performance
+  fees can be calculated in real time based on asset values on-chain). By
+  reducing manual processes, funds cut down on errors and labor costs. One
+  outcome is that fund managers may accept a larger number of investors (even
+  with smaller tickets), since servicing them is less burdensome – thus
+  unlocking more capital while still maintaining regulatory compliance through
+  built-in rules.
+- **Institutional-Grade Asset Management**: Tokenized funds are designed to meet
+  the needs of institutional investors in terms of security and regulatory
+  framework. The tokens representing fund units are treated as securities,
+  falling under existing legal regimes, but with improved technological
+  resilience. For example, using a distributed ledger means there’s no single
+  point of failure in maintaining ownership records – this adds robustness to
+  investor record-keeping and disaster recovery. Furthermore, using
+  well-established blockchain standards (like Ethereum’s ERC-20 or ERC-1400 for
+  security tokens) ensures compatibility with custodians and wallets that
+  institutions trust. Banks can custody these digital fund tokens in secure
+  wallets (with multi-signature or MPC security) similar to how they custody
+  traditional securities. The end result is a fund that offers cutting-edge
+  features (instant settlement of subscriptions/redemptions, granular ownership,
+  global reach) without compromising on the safety, oversight, and trust that
+  institutional clients demand.
+
+> In practice, tokenized fund management reduces operational friction – fund
+> managers report spending far less time on reconciliations, since blockchain
+> provides a shared source of truth. Investors benefit from greater liquidity
+> (if the fund allows peer trading of tokens) and quicker access to information,
+> while managers benefit from lower admin costs and the ability to scale their
+> offerings to more clients.)
diff --git a/content/docs/building-with-settlemint/kits/asset-tokenization/usecases/stablecoin.mdx b/content/docs/building-with-settlemint/kits/asset-tokenization/usecases/stablecoin.mdx
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+---
+title: Stablecoin
+description: A Secure and Collateralized Digital Currency
+---
+
+Stablecoins are digital tokens fully backed by fiat currency reserves, providing
+price stability. Banks use them on permissioned blockchains to streamline
+payments and settlements while meeting regulatory standards. Key use cases
+include:
+
+- **Real-Time Interbank Settlement**: Banks can use stablecoins for 24/7
+  interbank settlements, enabling instant, on-chain transfer of funds between
+  institutions. This drastically cuts settlement times from days to seconds and
+  reduces reliance on traditional networks like SWIFT. For cross-border
+  payments, a stablecoin (fully backed by reserves) can serve as a bridge
+  currency to achieve near-instant finality with lower counterparty risk. Faster
+  settlement improves liquidity and lowers operational costs per transaction.
+- **Institutional Payment Networks**: Consortia of banks can establish
+  stablecoin-based payment networks for large-scale institutional payments. For
+  example, Fnality’s Utility Settlement Coin (USC) is a bank-backed stablecoin
+  that promises near-instant cross-bank payments with reduced counterparty risk.
+  Such a network, running on a permissioned blockchain, provides a secure,
+  regulated platform for settling high-value transactions (like loan
+  syndications or trade finance) in seconds. All participants undergo KYC, and
+  the stablecoin’s 1:1 backing with central bank funds ensures stability and
+  regulatory compliance.
+- **Regulatory Compliance & Auditability**: Every stablecoin transaction is
+  recorded on an immutable ledger, creating a transparent audit trail. Banks can
+  simplify compliance by using analytic tools on the blockchain to monitor
+  transactions in real time and ensure they meet AML/KYC requirements. The clear
+  history of token transfers is advantageous for compliance audits, giving
+  regulators confidence that funds are fully collateralized and tracked. This
+  transparency reduces reconciliation effort and speeds up reporting, helping
+  institutions maintain strict oversight of funds.
+- **Programmable Payment Solutions**: Stablecoins enable programmable money for
+  institutional use. Banks can embed smart contracts that trigger payments or
+  escrow conditions automatically, improving efficiency and security in complex
+  transactions. For instance, a corporate payment could be programmed to release
+  from escrow once goods are delivered. With stablecoins, banks can engage with
+  decentralized finance protocols in a controlled way – e.g. automating interest
+  payments or corporate actions – all on a secure, bank-approved network. This
+  level of automation reduces administrative overhead and operational risk in
+  payment processing.
diff --git a/content/docs/building-with-settlemint/kits/asset-tokenization/usecases/tokenized-deposits.mdx b/content/docs/building-with-settlemint/kits/asset-tokenization/usecases/tokenized-deposits.mdx
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+---
+title: Tokenized Deposits
+description: A Secure and Compliant Digital Deposits
+---
+
+Tokenized deposits are digital tokens issued by banks that represent a claim on
+a traditional deposit (similar to stablecoins, but issued within regulated bank
+balance sheets). They combine the trust of bank deposits with the efficiency of
+blockchain. Use cases for tokenized deposits include:
+
+- **Instant Interbank Payments**: Banks can use tokenized deposits as a
+  settlement asset for interbank transfers, drastically speeding up payment
+  networks. Instead of sending money through ACH or wire (which cut off at
+  certain hours), a bank can transfer a tokenized deposit to another bank on a
+  shared ledger and settle the payment instantly, 24/7. Citi’s recent launch of
+  tokenized deposit services shows this potential – it enabled 24/7, “always-on
+  cross-border liquidity and payments” between its branches for
+  multimillion-dollar transactions. By adopting tokenized deposits, banks
+  collectively could reduce the dependency on central bank operating hours for
+  settlement, improving liquidity management and reducing payment delays for
+  large-value transfers.
+- **Programmable & Consumer-Friendly Deposits**: With tokenized deposits, banks
+  can create customer-centric deposit products that are more flexible and
+  functional. For example, a bank could offer a digital deposit account where
+  the balance is a token that a customer can program with rules: automatically
+  pay certain bills on due dates, sweep excess balance into a savings token, or
+  even trigger small investments. Smart contracts tied to tokenized deposits
+  allow for features like automated interest payments (interest could be
+  calculated daily and paid out as tokens without manual batch processing). They
+  also enable new services like escrow accounts (funds held as tokens that
+  release upon conditions) or micro-loans/overdraft protection that execute via
+  code. All of this enhances the customer experience, giving clients faster and
+  more versatile control over their funds while the bank ensures security and
+  compliance in the background.
+- **Interbank Lending & Liquidity**: Tokenized deposits can be used in interbank
+  lending markets (such as overnight repos or Federal funds market) to make them
+  more efficient. If Bank A needs short-term liquidity, it can borrow tokenized
+  deposits from Bank B by automatically issuing a tokenized IOU or using a smart
+  contract that will return the funds with interest at a set time. Settlement is
+  immediate – Bank A receives the liquidity in seconds as tokens – and the terms
+  of the loan (interest rate, duration, collateral if any) are enforced by the
+  smart contract. This real-time capability reduces counterparty risk (no delay
+  where one bank awaits payment) and allows banks to be more agile in managing
+  liquidity. Operational risk and cost in interbank lending go down, as the
+  entire process from initiation to repayment can be handled on a single
+  integrated platform. Additionally, since tokenized deposits are effectively
+  digital cash, they serve as high-quality collateral that can be instantly
+  transferred or liquidated, making secured lending more attractive.
+- **Automated Compliance & Monitoring**: Compliance automation is built into
+  tokenized deposit systems. Each token transfer can carry metadata or
+  restrictions that enforce KYC/AML policies – for instance, only wallets that
+  have been verified by participating banks can hold the tokens, and any large
+  transfers can trigger automatic alerts or require additional sign-off. The
+  blockchain ledger provides an immutable log of all deposit movements, which
+  regulators can be granted access to in real time or near-real time. This
+  simplifies reporting obligations: a bank can demonstrate proof of reserves and
+  the path of funds easily, since everything is recorded. Auditors can verify
+  that tokens in circulation match deposits held. Such transparency enhances
+  security by deterring illicit use (it’s harder for bad actors to hide flows on
+  a monitored network) and reduces the cost of compliance by cutting down manual
+  checks. In fact, tokenization initiatives have shown significant decreases in
+  KYC/AML processing costs and reconciliation effort due to these streamlined
+  digital workflows.
+- **Customer-Centric Payment Ecosystems**: A tokenized deposit could allow
+  customers to make instant P2P payments or merchant payments with finality,
+  improving everyday banking services. For example, two customers of different
+  banks could settle a transaction immediately if both banks use interoperable
+  tokenized deposits – the payment would move as a token from one wallet to
+  another in seconds. This is far faster than existing interbank retail payment
+  methods. Moreover, customers could use their deposit-tokens in new fintech
+  apps or smart devices (IoT payments) through APIs, creating an ecosystem of
+  services around bank money. Importantly, because these are actual bank
+  deposits, they come with the safety of deposit insurance and regulatory
+  oversight unlike unregulated crypto. Thus, customers get the usability of
+  digital wallets and crypto-like speed, backed by the confidence and stability
+  of the traditional banking system. Banks, in turn, gain a competitive edge by
+  offering modern digital cash experiences while keeping deposits within a
+  secure, compliant framework.