AMINA Bank and Tokeny Forge Regulated Bridge for Tokenized Assets with ERC-3643

Swiss crypto bank AMINA Bank AG has partnered with Luxembourg-based tokenization firm Tokeny to launch a regulated platform for issuing digital securities, creating a "regulated banking bridge" for real-world assets (RWAs) like bonds and commercial paper. The collaboration integrates AMINA's FINMA-supervised custody and settlement services with Tokeny's issuance stack built on the ERC-3643 permissioned token standard, designed for compliance-aware, identity-verified assets.

The goal is a single platform that handles both primary issuance and qualified custody, compressing time-to-market for institutional issuers from months to weeks by removing bespoke integrations and reducing manual checks. Smart contracts enforce eligibility and transfer rules on-chain, while banks oversee investor funds within a regulated framework. ERC-3643 incorporates features like lock-ups, jurisdictional whitelists, and corporate-action handling via ONCHAINID, embedding KYC/AML safeguards directly into the asset to reduce operational drag and settlement errors.

AMINA—formerly SEBA Bank—already provides institutional services for networks including Sui and Polygon, while Tokeny, acquired by Apex Group earlier this year, specializes in compliance-based lifecycle management. The partnership addresses a market shift from proofs-of-concept to scaled workflows, with issuers demanding bank oversight and programmable assets in one stack. Secondary trading can occur on regulated platforms, while issuance, onboarding, and custody remain in a unified pipeline, mirroring traditional market structures but with on-chain identity and rules.

In a broader context, entities like SIX Group's SDX, UBS, and BlackRock are advancing tokenization, with BlackRock's "BUIDL" fund exceeding $1 billion. However, challenges include proving shortened timelines in live transactions and ensuring interoperability across Swiss law, MiCA, and EU Prospectus regimes. The partnership aims to position the firms as infrastructure providers, with future focus on first deals listing on platforms like SDX and demonstrating on-chain corporate-action handling without manual overrides.