Overview
Hamsa provides a unified ledger for central banks and financial institutions to enable programmable cross-border payments and asset tokenization using distributed ledger technology for interoperability. Its products include a programmable payments tool that automates complex payment workflows and a tokenization service that creates digital representations of real-world assets, settled on a common ledger. Unlike others, it targets large institutions with an interoperable, multi‑system platform that bridges legacy and modern systems and combines payments and tokenization in one solution. The goal is to help financial institutions modernize their payment infrastructure by enabling blockchain-based cross-border payments and asset tokenization through an interoperable ledger.
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Simplify's take
What believers are saying
- Hamsa launched programmable payments updates in October 2026, signaling active product momentum.
- Hamsa serves central banks on three continents and two CBDC pilots.
- Asset tokenization demand rose with September 2026 APAC money-market-fund deployment.
What critics are saying
- Banco Safra and DREX keep Hamsa exposed to Brazilian regulatory and consortium shifts.
- A $27 million Series A limits endurance against Temenos, Fnality, and SWIFT-connected rivals.
- If Tier-1 adoption stalls in 2026, Hamsa becomes a niche pilot vendor.
What makes Hamsa unique
- Hamsa unifies clearing, payments, and tokenization on one EVM-compatible ledger.
- Microsoft-backed ZKP Nova privacy differentiates Hamsa for confidential bank settlement workflows.
- Hamsa claims $3.2 billion tokenized and $400 billion processed in 2025.
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