Our CBDC solution’s two-tier architecture provides the highest flexibility, scalability, interoperability, and speed. TWEX® Government Edition’s system architecture follows the stack layers proposed by BIS (Bank for International Settlements). It employs the latest and eco-friendly consensus protocols, allowing the application to be scaled dynamically as transaction volumes increase.

TND’s solution enables interconnectivity between CBDC systems. It also allows users to quickly and securely transfer CBDC values, ensuring liquidity, and facilitating faster transactions.

Our solution considers security as a fundamental requirement addressing the needs of the stakeholders, infrastructure, and the solution including frontend, backend and network. We additionally offer frontend hardware security, by having the ability to integrate dedicated hardware devices like mobile phones or terminals. For example, we support Hardware Security based on a multi-kernel architecture and Trusted Execution Environment (TEE).

DUAL® was created to be the face of CBDC solution and an extension to the growing financial systems by TND and Orell Füssli Security Printing (OFS) in partnership.

DUAL® is a connected banknote acting as a customizable and easy-to-use CBDC solution bridging the physical and digital currency systems. It complements cash (conventional banknote), making transactions fast, transparent, and secure. Our DUAL® solution also ensures that the overall payment system is always available, resilient, and inclusive.

The need for offline payments is also prevalent due to network connectivity and infrastructure lack in countries, performance and scalability support, universal access, and navigating civil contingencies. DUAL® aligns with the BIS (Bank of International Settlements) expectations of having an offline payment system to support the online CBDC system so that adoption of the overall system is easy for the user with offline flexibility.

How does it work?
It can be used as a conventional banknote; however, the owner can transfer its value to a digital wallet by scanning the private key with a mobile device. All digital processes are based on distributed ledger technology combined with smart contracts. Importantly, a DUAL® has similar physical properties to a conventional banknote with smart features for security and technology accessibility integrated seamlessly.

DUAL® is designed to be a legal tender that is equipped with security features that can be checked and verified by both the consumers (seller/ payee and buyer/payer) in the chain to ensure authenticity at any point without network and therefore, can be accepted the same way as a banknote would be accepted today. In this case, neither the payer nor the payee must be connected to the ledger.

DUAL® also ensures interoperability by providing cash-like features to the consumers with added security through which the consumer can verify the note’s authenticity and transfer it to their digital ledger at a later stage as desired. It provides interoperability between online and offline systems and completely offline systems. It acts as a bridge between online and offline CBDC by allowing users to transfer their DUAL® note to the ledger at a click later.