Frequently Asked Questions

Bohem is a development partner to both providers and receivers of Banking-as-a-Service 2.0, which is the distribution of banking and financial services via distributed ledger technology from banks to corporates, startups, platforms, ecosystems, supply chains, etc.

Bohem thereby enables banks and its connected corporate customers to use commercial bank money on the blockchain, without the need to use crypto currencies or stablecoins.

Corda reference implementation

The cash issuer node acts as a bridge between the corda realm and the banking realm, and sits within the Bank legal entity. It performs the following operations

  • Receives payments of fiat currency into a bank account and issues Corda cash states of equal value,
  • Safeguards the fiat currency which has been received from parties
  • Facilitates the redemption of cash states when they are no longer required and transfers the fiat currency bank to the party requesting the redemption

With “cash on ledger”, parties holding cash states can settle their obligations, atomically, on-ledger. 

Bohem uses institutionally tested and accepted blockchain solutions, in particular Corda, Hyperledger (Fabric and Indy), and DAML

A reference implementation is currently in development using Corda. 

Bohem also considers using Canton, a DAML ledger interoperability protocol whose smart contract language and clever synchronization protocol guarantee that data is reliably shared only with entitled parties in a way that is always correct, even in the presence of malicious actors. Canton’s topology can be extended without friction with new parties, ledgers and applications building on other applications without requiring a central managing entity or global consensus within the network.

Bohem uses distributed ledger technology and blockchains as a means to distribute existing banking products and services. As such regular bank products such as FIAT bank money in an account (commercial bank money) are digitally represented on the blockchain, but are not changed in their intrinsic nature. Such digital representations of commercial bank money can fall into terminology used such as “Cash-on-Ledger”, or e-CHF.

Bohem does not create new products such as cryptocurrencies or stablecoins, nor a central bank digital currency. 

Each project is unique and dependent the nature of the financial services provider (e.g. bank), the project aim overall, and the jurisdictions and regulatory frameworks involved. 

Using a blockchain for bank accounts and balances, and potentially other financial services, creates digital representations of those banking services that can be accessed and integrated by onboarded customers into their own digital workflows and offerings. Bank customers thereby gain all benefits that a private blockchain brings. Financial services become fit for the machine economy

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BaaS 2.0 development partner

Building the next generation connection for financial services between banks and ecosystem, platforms, supply chains and finserv distributors

Providing a joint digital operating environment to these connecting parties, with a tailored private shared infrastructure

That allows the parties to fully leverage the benefits of DLT at full regulatory compliance, and without using crypto currencies.

Project leadership

Chris Bruppacher

Chris Bruppacher

Banking and financial industry expert. Technology platform entrepreneur. Strategy consultant and startup coach.

Cédric Walter

Cédric Walter

Founder, CEO at, Blockchain developer, CEO,

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