Digital Investment Bonds for SMEs
Powered by Axiology & European Merchant Bank
European Merchant Bank (EMBank) and Axiology have partnered to offer a new, more efficient way for small and medium-sized enterprises (SMEs) to access capital markets. Through a fully digital, DLT-powered infrastructure, businesses can now issue bonds with greater transparency, lower costs, and significantly reduced operational complexity.
This solution combines EMBank’s banking expertise with Axiology’s newly licensed DLT trading & settlement system (DLT TSS)—providing companies with access to modern, secure, and flexible financing options beyond traditional lending.
Why Digital Bonds?
For growing businesses, traditional financing channels can be slow, restrictive, or simply not enough.
Digital bonds offer a streamlined, cost-efficient and fully compliant alternative to raise capital.
The EMBank–Axiology infrastructure is built on a permissioned version of the XRP Ledger, tested with multiple central banks (Georgia, Colombia) and in ECB settlement trials. This creates a high-integrity, next-generation environment for issuing and managing fixed-income securities.
Advantages:
- Up to 40% Lower Issuance Costs: Axiology’s DLT infrastructure simplifies trading and settlement, reducing intermediaries and operational overhead.
- A fully digital process helps SMEs issue bonds in a fraction of the time compared to traditional capital market routes.
- Distributed ledger technology ensures clear audit trails, immutable records, and secure settlement.
- Ideal for SMEs seeking diversification or those approaching borrowing limits within conventional financing.
- From onboarding and documentation to issuance and post-trade management, all steps operate in one cohesive digital workflow.
- Both EMBank and Axiology operate across European markets — enabling international expansion opportunities.
- The infrastructure empowers EMBank clients to enter capital markets efficiently, even without prior experience.
Conditions
- Small and medium-sized enterprises (SMEs) registered in the EU
- Businesses with stable cash flow and clear financing needs
- Companies seeking alternative or complementary funding sources
- Full KYC/AML compliance
- Documentation aligned with the EU’s DLT Pilot Regime
- Disclosure requirements consistent with fixed-income instruments
- Bond size determined following EMBank’s credit and risk assessment
- Maturities, coupons, and terms structured according to issuer needs
- Digital bonds issued and settled via Axiology’s DLT TSS system
- EUR-denominated digital bonds
- Settlement executed on permissioned DLT infrastructure integrated with EMBank
Ready to Raise Capital More Efficiently?
Contact EMBank to explore whether digital bond issuance is the right financing option for your business. ([email protected])
Apply now!
Please provide the required information and we will contact you within 1 working day.
A Partnership Built for the Future
“Our objective is to facilitate business growth by offering modern methods of raising capital.”
— Sarp Demiray, CEO, EMBank
“Together, we’re building infrastructure that empowers both banks and their clients to access capital markets digitally and securely.”
— Marius Jurgilas, Founder & CEO, Axiology