SemiLiquid Unveils Programmable Credit Protocol, Built with Avalanche, Advancing Institutional Credit on Tokenised Collateral

Dubai, UAE, December eighth, 2025, Chainwire

Follows first-of-its-kind pilot run with Franklin Templeton, Zodia Custody, Avalanche, and CMS demonstrates enforceable bilateral credit score inside digital property custody
Debut at Abu Dhabi Finance Week 2025 showcases a breakthrough in institutional credit score infrastructure

SemiLiquid, a custody-native infrastructure layer for institutional credit score, as we speak introduced the launch of its Programmable Credit Protocol (PCP) at Abu Dhabi Finance Week 2025. The groundbreaking infrastructure permits establishments to activate credit score in opposition to digital and tokenized property held in custody – with out transferring collateral, marking a vital development within the evolution of digital capital markets. Developed and launched in Abu Dhabi, the protocol is now deliberate to be rolled out globally, underscoring the emirate’s rise as a number one hub for digital property and a launchpad for monetary innovation.

The launch is backed by a profitable pilot performed with Franklin Templeton, Zodia Custody, Avalanche, Presto Labs, M11 Credit, Oasis Foundation & CMS. As a part of the pilot, Franklin Templeton’s daily-yielding tokenized money-market fund, BENJI, was used as collateral, which remained encumbered all through the mortgage lifecycle, beneath pre-agreed phrases and automatic triggers. This simulated proof-of-concept allowed establishments to retain full each day yield whereas granting lenders enforceable safety over the property – eliminating counterparty threat with none collateral motion.

“Programmable property require programmable credit score,” mentioned Rico van der Veen, Co-Founder and CEO of SemiLiquid. “PCP delivers the lacking rail that establishments want – a standardized, custody-native & shared authorized framework that merges the belief of conventional finance with the effectivity of programmable property. This marks a shift from incremental upgrades to foundational infrastructure for institutional credit score. Abu Dhabi Global Market’s surroundings has enabled us to develop our answer inside a risk-aware framework optimized for digital asset innovation. ”

“SemiLiquid’s PCP brings collectively revolutionary business leaders in an effort to deal with the inefficiencies in institutional credit score,” mentioned Anoosh Arevshatian, Chief Product Officer at Zodia Custody. “Through our participation, Zodia Custody hopes to determine custodial infrastructure because the belief layer for scalable and programmable credit score.”

“Programmable credit score demonstrates how institutional lending can function natively inside custody with out compromising enforceability, compliance, or settlement velocity. Avalanche’s high-performance, institutional-grade infrastructure, mixed with SemiLiquid’s programmable credit score protocol, creates a transparent path to scaling institutional adoption – developed in a area that has turn into a launchpad for next-generation on-chain monetary markets,” mentioned Khalid Dannish, Head of MENA at Ava Labs.

“Private credit score goes digital, and this pilot proves how it may be completed legally and compliantly,” mentioned Matthew Nyman, Digital Assets Lead at CMS. “CMS is proud to help the infrastructure bringing automated, custody-native credit score to institutional markets.”

While tokenised property are projected to succeed in $10 trillion by 2030, credit score infrastructure has remained trapped in legacy workflows. More than 70% of institutional bilateral financing nonetheless entails bespoke, deal-by-deal paperwork & collateral transfers throughout fragmented accounts and techniques, creating counterparty threat and friction that stop tokenized property from functioning as scalable, financeable collateral.

SemiLiquid’s pilot has proven that the know-how & authorized framework is mature and establishments are prepared. The firm is advancing to Phase II, launching in early 2026, which is able to increase integrations throughout further custodians, collateral varieties, and jurisdictions. Future capabilities will embrace under-collateralized lending supported by verified solvency attestations & and a unified framework for enforceability throughout markets.

“Credit is the lifeblood of capital markets,” added Rico van der Veen, Co-Founder and CEO of SemiLiquid. “With PCP, programmable credit score has arrived – and it’s prepared for institutional deployment.”

For extra info, customers can go to https://pcp.co/

Media Contact:

semiliquid@yapglobal.com

About SemiLiquid:

SemiLiquid delivers the infrastructure powering the following evolution of institutional credit score. Built on custody-native rails, its Programmable Credit Protocol (PCP) standardizes and automates bilateral lending – bringing the belief of conventional finance and the effectivity of programmable markets to a unified, compliant, and interoperable credit score ecosystem.

About Zodia Custody

Zodia Custody is an institution-first digital property platform with help from Standard Chartered, in affiliation with Northern Trust, SBI Holdings, National Australia Bank, and Emirates NBD. Through the mixture of its custody, treasury, and settlement options, Zodia Custody permits institutional buyers across the globe to grasp the total potential of the digital property future – merely, safely, and with out compromise. Zodia Custody is registered with the Financial Conduct Authority, Central Bank of Ireland, Commission de Surveillance du Secteur Financier, and holds a licence with the Hong Kong Companies Registry.

Zodia Custody implements the necessities of the 5AMLD and applies the identical requirements as Standard Chartered referring to AML, FCC, and KYC. It implements the necessities of the FATF Travel Rule. Zodia Custody Limited is registered within the UK with the FCA as a crypto asset enterprise beneath the Money Laundering, Terrorist Financing and Transfer of Funds Regulations 2017. Zodia Custody (Ireland) Limited is registered with the Central Bank of Ireland as a VASP beneath Criminal Justice (Money Laundering and Terrorist Financing) Act 2010 (as amended). Zodia Custody (Ireland) Limited was established in Ireland in August 2021. Zodia Custody (Ireland) Limited is registered with the CSSF in Luxembourg as a Virtual Asset Service Provider in accordance with article 7-1 (2) of the regulation dated 12 November 2004 on the combat in opposition to cash laundering and terrorist financing, as amended. Zodia Custody (Hong Kong) Limited is registered with the Registry for Trust and Company Service Provider with License Number TC009245 beneath the Anti-Money Laundering and Counter-Terrorist Financing Ordinance (AMLO), Cap. 615 in respect of its custodial actions in digital property.

For additional info on Zodia Custody, customers can go to: https://zodia-custody.com/