A licensed platform for traditional finance and digital assets

The problem

Alternative investments come with friction: setting up entities and funds, onboarding investors, KYC and AML checks, custody, reporting, and moving money between fiat and crypto. Each step needs its own legal, technical and compliance work.

Agio Digital was set up to take that friction out and put the steps on one regulated platform. The company describes it as regulated financial infrastructure connecting traditional finance and digital assets, from smart wallets to custody, on a single licensed platform.

What I did

I co-founded Agio Digital and I’m its Chief Innovation Officer. I work across product, engineering and R&D, and I still write code.

In the company’s early years the public site listed me as Lead Software Engineer, covering full-stack and blockchain development. Over that time I contributed to:

• The tokenisation infrastructure and the digital financial services platform.
• The fund module: marketplace, subscriptions, redemptions and NAV investor reporting.
• Investor onboarding with integrated KYC and AML workflows.
• The digital assets platform, including OTC trading.
• Automation of entity formation and fund structuring.
• Aligning the product with the Bahamian regulatory framework, together with legal, compliance and product.

What we built

• Fund administration. Agio Fund Services Ltd. is licensed by the Securities Commission of The Bahamas (SCB) as an Unrestricted Fund Administrator. Subscriptions, redemptions, drawdowns and distributions run on the web and settle in fiat or crypto.
• Corporate services. Agio Digital Ltd. is licensed by the SCB for corporate and financial services, with an entity setup and onboarding process that runs on the platform: international business companies, fund structures, private foundations and non-profits.
• Wallets. 3 wallet types behind one GraphQL Platform API: custodial wallets with BitGo-managed keys, multi-signature approvals and address whitelists; hot wallets where the client holds the encryption key; and ERC-4337 smart wallets on Alchemy with sponsored gas and session keys for delegated signing.
• Identity. The Agio SDK and an embeddable widget bring KYC and KYB verification and wallet connection into partner applications, with real-time status over GraphQL subscriptions.
• Cards. A card programme backed by stablecoin deposits (USDC or PYUSD): the deposit sets the credit limit, with virtual and physical cards.
• Payments and treasury. Conversion between fiat, stablecoins and crypto, treasury management and a private OTC desk.

What came of it

The group’s legal entities were incorporated in The Bahamas in April 2021. In August 2021 the technology arm, Agio DLT Company DMCC, joined the CV Labs crypto centre at the Dubai Multi Commodities Centre. The SCB licences for financial and corporate services and fund administration followed in November 2021, a private beta in January 2022, and the official launch in the first quarter of 2022.

The public developer docs now cover the SDKs, the Platform API, wallets and cards.