MOVE, PROGRAM, & SETTLE MONEY
Blockchain Deposit Account Programmable Payments JPM CoinSM On-Chain FX

Blockchain Deposit Accounts move liquidity on your terms1

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Blockchain Deposit Account

A blockchain-enabled deposit account for continuous visibility and programmable movement

Free up working capital, reduce manual work, and move, settle and program money across borders 24/72—all within the banking framework of J.P. Morgan.
Reduce manual work

Programmable payments and the automation of workflows directly reduce manual intervention and delays while supporting your liquidity needs

Improve visibility

Near real-time visibility and control over cash alongside near-instant settlement, integrated with your systems

Transparency and control

Move money faster, manage your cash more easily and free up funds whenever you need them—making your blockchain-based treasury operations faster, safer and more flexible

Key Capabilities

Blockchain Deposit Accounts unlock near real-time command over liquidity 

Programmable instructions

Turn deposits into logic-driven liquidity, unlocking entirely new ways to create, deploy and extract value from capital that would otherwise sit still.

Continuous funds access

Keep liquidity continuously accessible 24/7/3652. Reduce the risk of idle balances, avoidable shortfalls and missed opportunities with no time zone constraints.

Near-instant, continuous settlement

Decisions are always made on live data, without the need for manual reconciliation or intervention.

Extend with advanced capabilities

Build on the core BDA functionality through optional enhancements, which can extend built-in programmability to a configurable rules engine for more sophisticated conditions via capabilities like on-chain FX and programmable payments.

Use cases

Unlock your business’s value with Blockchain Deposit Accounts

Access near real-time command over liquidity, turning static deposit accounts into programmable instruments that move, respond and settle around the clock.
Payment service provider

Reduce FX risk and align funding with real-time demand. 

Non-bank financial institutions and capital markets participants

Enable just-in-time funding for trading, settlement and collateral management—no more waiting for batch windows.

Global Corporates, treasury and finance teams

Centralize and mobilize liquidity, automate and settle funds near instantly, and gain near real-time visibility into global cash positions to efficiently fund operations and respond to market events.

Case study

Redefining treasury operations 

How Siemens Treasury redefines financial operations through innovation and technology
J.P. Morgan Payments powers Siemens Treasury’s transformation from a support function to strategic business enabler.
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Siemens Treasury evolved from a supporting role to a business driver by embracing new technologies and fostering a culture of innovation, agility and adaptability, encouraging experimentation
In collaboration with J.P. Morgan Payments, Siemens Treasury implemented advanced treasury technology upgrades, like programmable payments and blockchain-based and virtual accounts, reducing banks accounts and cash pools by over 50%, streamlining workflows and cutting costs significantly3
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Frequently asked
questions

Kinexys Blockchain Deposit Accounts (BDA) function similarly to traditional Demand Deposit Accounts (DDA). BDAs facilitate the initiation and near real-time settlement of payments. Payments can be made to or from a DDA, either inside or outside the J.P. Morgan network.

Additionally, clients can mint JPM CoinSM directly from a BDA, enabling a more direct tokenization of funds for blockchain-based transactions and settlement.

Blockchain Deposit Accounts integrate directly into your existing systems via API, SWIFT or user interface, enabling near real-time, 24/72 cross-border payments and automated treasury workflows. Onboarding can be completed in as little as 2–3 weeks for UI access, or 2–3 months for full API connectivity, with dedicated support from Kinexys experts throughout the process.

Kinexys Blockchain Deposit Accounts operate within the banking framework of J.P. Morgan, helps with ensuring enterprise-grade security, compliance with global banking standards and robust auditability. All accounts and transactions are protected by advanced encryption, strict access controls and ongoing monitoring, with KYC/AML checks and transparent records to support regulatory requirements.