Advisory first. Built to build.

Tokenized deposits and digital assets, decided with facts.

Independent advisory for banks, credit unions, issuers and enterprises, with the ability to build the full stack when the fit is right.

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Built on IBMTechnology partner stack
67%to16%

Share of US deposits at banks under $10B, 1994 to 2026

FDIC, KBW
19%to72%

Share held by the top 25 banks over the same period

FDIC, KBW
61%

Of bank leaders call deposit costs their top challenge

Bank Director 2026
<2%

Of community banks offer digital asset services

OCC, CSBS
125to181

Bank deals, 2024 to 2025

S&P Global

01  The problem

The problem

Deposits keep moving to the largest banks. In 2027 they plan tokenized deposits and stablecoins. Most community institutions have no plan yet.

A

Deposits are migrating

Three decades of steady movement toward the top 25 banks, and funding costs that keep rising.

B

The largest banks are moving first

Tokenized deposits and stablecoins are on 2027 roadmaps at the biggest institutions.

C

Making it work is hard

Connecting new ledgers to existing systems, core processing and compliance takes real expertise.

02  How we work

Advise. Select. Build.

One method across every engagement. Start with an answer, not a contract for software you may not need.

STEP 01

Advise

Decide with facts before you spend. Discovery, data and a board ready recommendation.

Strategy
STEP 02

Select

Choose regulated partners and technology, Built on IBM, that work alongside your existing systems.

Partners and technology
STEP 03

Build

The full technology stack, scoped per engagement, when the fit is right.

Full stack
See how we work

03  Solutions

Five practices. One standard of rigor.

Each practice starts with advice and can extend to selection and a full build.

Lead practice

Tokenized Deposits

Help your community keep its deposits. Plan, select and launch tokenized deposits that stay on your balance sheet and work alongside your core.

72%of US deposits now sit with the top 25 banks, up from 19% in 1994FDIC, KBW
 Issuers

Tokenized Securities

Native ownership recorded with an SEC registered transfer agent. Cheaper than per offering platforms at scale.

170,000shareholders on the SOC 2 transfer agent platform we advise
 Payments and treasury

Stablecoins

GENIUS readiness, payroll, payouts and treasury.

01.18.27GENIUS Act and OCC rule take effect
 Wealth

Digital Asset Custody

Qualified custody for your high net worth clients, so the relationship stays with you.

<2%of community banks offer digital asset services todayOCC, CSBS
 Boards and funds

Advisory and Market Intelligence

Board briefings, vendor diligence and market landscape reports.

12+financial institution executives engaged

04  Who we serve

Written for the people who sign off.

Bankers, issuers, operators and investors. Plain language, banker vocabulary, answers your committee can use.

Community banks and credit unions

Keep deposits in your community.

Tokenized deposits, custody and stablecoins.

Explore Transfer agents and issuers

Modern ownership records for every offering.

Tokenized securities.

Explore Enterprises and fintechs

Pay a global workforce in stablecoins.

Payroll, payouts and treasury.

Explore Stablecoin issuers

Launch a stablecoin ready for the GENIUS Act.

Stablecoins and advisory.

Explore Investors and funds

Diligence you can take to committee.

Market intelligence and due diligence.

Explore

05  What we believe

What we believe

  1. Decide before you spend.
  2. Your core stays central.
  3. Compliance comes first.
  4. You should own what you build.
  5. Facts over fashion.

06  Proof

Experience, stated plainly.

No logo wall, no borrowed claims. Here is what we have done and what you can see.

170,000

Fractional CTO for an SEC registered transfer agent

Technology leadership for a SOC 2 platform serving 170,000 shareholders.

12+

Financial institution executives engaged

Briefings and working sessions with bank and credit union leadership.

Testnet

Working demo

A tokenized deposit flow running on a testnet, for demonstration only.

Testnet demo available on request during a briefing.

Built on IBM

07  GENIUS Act

The rules take effect January 18, 2027.

The GENIUS Act and OCC rule change how stablecoins are issued and used. Know where you stand before your examiners ask.

Get the readiness checklist Take the assessment
00
Days
00
Hours
00
Minutes
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Seconds

Countdown to January 18, 2027, Eastern Time

08  Insights

The latest from Bamboo Block.

All insights
Sample articleDeposits

What tokenized deposits mean for community banks

A plain language primer for boards and executive teams.

Read the brief
Sample articleRegulation

The GENIUS Act explained for bank boards

What changes on January 18, 2027 and what to ask now.

Read the brief
Sample articleSecurities

Official ownership records and tokenized securities

Why the transfer agent sits at the center of a compliant offering.

Read the brief

Book a briefing

Get a clear answer before your board asks.

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