The infrastructure.For every asset.

One platform to onboard, issue, settle, record and report.

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Four parts.One ecosystem.

Each part has a defined role. Fractur is the foundation that connects them.

01
Law and product rules

Clear rules for each asset, developed with the relevant authorities.

02
Shared digital infrastructure

The shared layer every programme runs on, configured to its own rules.

03
Licensed institutions

Banks, custodians and market operators perform the regulated activities.

04
Eligible investors

Verified investors, each in the right category for the product.

Fractur: infrastructure, product architecture, integration and programme delivery.

Legal work is carried out with qualified counsel and the relevant authorities.

Institutional infrastructure,configured for each programme.

An existing platform, configured and integrated around each programme’s assets, institutions and rules.

01Registry and government interfaces

Links to land and company registers and identity services.

02Onboarding

Identity, eligibility and document checks.

03Issuance and servicing

Create units, pay income and run corporate actions.

04Reconciliation and records

Records matched with registers and payments.

05Reporting and integration

For investors, operators and authorities, with standard connections to banks and custodians.

06Permissioned transfers

Transfers only between eligible holders. Authorised officers pause, freeze or recover units when required.

A defined legal rightThe asset and its legal right, connected to the authoritative register.
An orderly entry processInvestors pass identity, eligibility and KYC checks before participation.
Units issued under the approved structureEach unit represents a defined right, with income and corporate actions to follow.
A consistent ownership recordOwnership is reconciled with the relevant authoritative records.
Information across the lifecyclePayments, holdings, valuation updates and statements flow to every party.
Changes within the agreed termsTransfers move only between eligible holders, as regulation allows.

Each party leadswhat it is responsible for.

Each product is mapped to the relevant authorities, licences, institutions and approvals before launch.

01

Government and asset owners

Programme leadership, the assets and objectives, official records and the approvals that sit with them.

02

Fractur

Designs the product, builds and operates the infrastructure, integrates every partner and delivers the programme end to end.

03

Regulators and licensed institutions

Regulators oversee the market and approve each product. Licensed institutions hold the client relationship and the regulatory responsibility.

How moneymoves.

Payment and asset transfer are coordinated so that settlement occurs according to the approved product and financial-institution arrangement.

  1. 01

    Pay

    The investor pays through an approved banking channel.

  2. 02

    Hold

    Funds are held in escrow until the deal closes.

  3. 03

    Settle

    Payment and asset transfer complete together.

  4. 04

    Transfer

    A holder sells to another eligible investor, and the record updates.

  5. 05

    Pay out

    Income and proceeds go to verified bank accounts.

Settlement runs through approved banking and payment channels, and through tokenised bank money with participating licensed banks.

One platform,three views.

Investors, institutions and authorities each work from their own view of the same record.

01

Investor

Onboarding, subscriptions, holdings, payments, documents and reporting.

02

Operator

Approvals, reconciliation, servicing, controls and incident management.

03

Government and authorities

A permissioned oversight view of relevant ownership, transactions and reporting, under agreed data-access policies.

Institutional controlsand security.

Compliance checks cover identity, beneficial ownership, sanctions, source of funds where required, investor eligibility, transaction monitoring, transfer data and Sharia review where applicable.

Multi-factor login
Required for every operator.
Dual approval
A second approver for sensitive actions.
Role-based permissions
People see only what their role needs.
Encryption
Data protected in transit and at rest.
Tamper-evident logs
Every action recorded and protected.
Reconciliation
Registers and payments checked routinely.
Incident response
Alarms and controls to contain issues.
Key management
Signing keys held in protected hardware or cloud services.
Recovery
Tested backup and recovery procedures.
Independent testing
Independent security testing before launch.