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.