Services · IEUM Platform

Everything Your
Stablecoin Business Needs, in One Platform

From issuance to wallet, payment, cross-border remittance, and audit — all the core capabilities for stablecoin operations, integrated in one place.

IEUM Platform

Connecting Every Participant —
From Issuance to Settlement

IEUM is an integrated infrastructure designed for issuers, trustees, merchants, and partner services to issue, operate, and settle stablecoins according to their respective roles. A three-party approval structure, 1:1 reserve backing, and automated auditing on an immutable on-chain ledger are built into the platform's core.

Drawing on Danal's extensive track record in payment and settlement operations, the platform embeds the technical and operational requirements of real-world business environments into its architecture, with global scalability secured through partnerships with Ripple, Avalanche, Axelar, and more.

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Stablecoin Infrastructure
KRW Stablecoin Platform
End-to-end infrastructure for integrated
issuance, operations, and settlement

Core Capabilities

Five Core Capabilities for
Stablecoin Operations

From issuance to wallet, payment, cross-border remittance, and audit — these five capabilities support the full lifecycle of stablecoin operations. Each capability can be adopted independently or integrated into a unified operational structure.

01
Mint & Burn
Issuance & Redemption
Institutional stablecoin minting, burning, and reserve verification
02
Wallet System
Wallet Infrastructure
MPC-based B2B & B2C wallet management with purpose-separated accounts
03
Payment
Payment & Settlement
PG & VAN-integrated payments with real-time automated merchant settlement
04
Cross-border
Cross-border Remittance
KRW→KSC→USDC→USD on-chain end-to-end pipeline
05
Audit & Accounting
Audit & Accounting
On-chain immutable ledger with ERP integration and automated audit
01 · Mint & Burn

Stablecoin
Issuance & Redemption

Provides an end-to-end operating environment for financial institutions (banks, card issuers, securities firms) and fintech operators to issue their own stablecoins. Issuance and redemption require approval from all three parties — issuer, trustee, and operator — and the issuance volume, matched 1:1 to the trustee's reserves, is automatically recorded on the on-chain ledger.

Three-party Approval 1:1 Reserve Backing Automatic On-chain Recording
Mint · Issuance → KRW → KSC
M01
Reserve-verified Issuance
KSC is minted only to the extent that KRW deposits have been confirmed in the trustee's account. Issuance always maintains a 1:1 match with reserves.
M02
Dual Approval by Issuer and Operator
Only transactions that complete both the issuer's policy approval and the operator's system verification proceed to minting.
M03
On-chain Issuance Record
Timestamp, quantity, and recipient wallet information are recorded immutably on the blockchain, enabling post-issuance audit at any time.
Burn · Redemption → KSC → KRW
B01
Automated Reserve Verification
On redemption requests, the trustee's KRW reserves and withdrawable balance are automatically verified.
B02
Step-by-step Approval Control
The flow — redemption request → issuer processing → trustee payment approval → operator execution — is built into the system.
B03
Simultaneous KRW Disbursement and Burn
At the moment KRW is disbursed to the user, an equivalent amount of KSC is burned on-chain, maintaining issuance integrity.
02 · Wallet System

Wallet Infrastructure for
Institutions and Individuals

A wallet infrastructure that supports both individual users (B2C) and corporate entities (B2B). It provides MPC-based distributed key management and purpose-separated wallet operations for collection, fee, and settlement accounts.

MPC Distributed Key Management B2B & B2C Support Purpose-separated Wallets
Feature Personal Wallet (B2C) Corporate Wallet (B2B)
User TypeIndividual usersBusinesses & Institutions
Wallet StructureSingle walletMultiple purpose-based wallets
Key ManagementMPC distributed keysMPC distributed keys
Multi-signatureNot supported✓
Wallet SeparationNot supportedCollection, Fee, Settlement
Transaction Limits & PoliciesDefault limit policyGranular by user & wallet
Fund TrackingTransaction historyReal-time on-chain ledger
ERP & Accounting IntegrationNot supported✓ API available
03 · Payment

Stablecoin
Payment & Settlement

Built on the wallet infrastructure, IEUM processes stablecoin payments through integration with payment service providers (PG, VAN). Merchant sales are recorded the moment a payment is made, and the settlement engine automatically processes KRW settlement in real time. Designed to shorten existing settlement cycles and improve capital efficiency.

Instant Settlement PG & VAN Integration Multi-channel Payments
P01
Multi-channel Payment Support
Accepts KSC payments via QR codes, payment links, and app-to-app transfers, adapted to each user's environment.
P02
Instant Auto-settlement
At payment completion, the PG converts KSC to KRW and credits the merchant account immediately — no separate settlement waiting period.
P03
Improved Capital Efficiency
Replaces daily or weekly settlement cycles with real-time processing, reducing working capital burden for merchants and operators.
04 · Cross-border

On-chain
Cross-border Remittance

An end-to-end pipeline that converts KRW stablecoin (KSC) to global stablecoin (USDC) and delivers it to recipients in their local fiat currency. Replaces the high fees, slow processing, and opaque exchange rate structures of traditional cross-border transfers with on-chain settlement, and connects to recipient accounts through a local remittance partner network.

On-chain FX Pipeline Transparent Exchange Rates Global Partner Network
R01
On-chain Settlement Pipeline
The KRW → KSC → USDC → USD conversion and transfer flow is processed consistently on-chain, reducing intermediary settlement steps.
R02
Transparent Exchange Rates and Fees
Exchange rate timing, applied price, and fee tiers are disclosed per transaction, allowing clear visibility into remittance costs.
R03
Local Recipient Network Integration
Through integration with global remittance partners, USDC is converted to and disbursed in the recipient country's local currency, simplifying the receiving experience.
05 · Audit & Accounting

Audit & Accounting
Integration System

All issuance, transfer, and payment records are immutably recorded on the blockchain. A data pipeline connecting on-chain data to existing ERP and accounting systems enables real-time audit and automated financial reporting.

Immutable On-chain Ledger ERP Auto-sync Automated Regulatory Reporting
On-chain Transaction Ledger

All issuance, transfer, and payment records are immutably recorded on the blockchain, making them tamper-proof and transparently auditable at any time.

ERP & Accounting Integration API

On-chain data is automatically synchronized to existing ERP and accounting systems in real time — books are updated without any manual entry.

Automated Audit Support

Data required for regulatory reporting and audits is generated automatically. Reserve ratio monitoring and reporting are handled as a single integrated flow.

Real-time On-chain Ledger Tracking ERP & Accounting Integration API Automated Audit Reporting

Role-based Modules · IEUM

All Capabilities
in One Platform

Issuance, wallet, payment, cross-border, and audit — the core capabilities for stablecoin operations, delivered to issuers, trustees, merchants, and partners, each according to their role.

01 · Issuer
IEUM Mint
The issuance operation module for managing stablecoin minting, burning, and supply policy
Stablecoin issuance and redemption
Real-time supply monitoring
Issuance policy management dashboard
02 · Trustee
IEUM Trust
The reserve management module for monitoring reserve assets and collateral status
Real-time collateral asset and ratio monitoring
Integrated issuance reserve status dashboard
Regulatory reporting
03 · Merchant
IEUM Partners
The settlement module for managing merchant onboarding, KYC, transactions, and settlement
Merchant KYC and onboarding status
Transaction monitoring and volume trends
Settlement status and history
04 · White-label
IEUM Wallet
The API and white-label module for integrating wallet functionality into your service
Wallet creation, lookup, and transfer APIs
Webhook-based event notifications
Customizable white-label interface

From IEUM Evaluation
to Technical Integration

Let's discuss how to design your issuance, operations, and settlement architecture.

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