Ramp Network × Standard Chartered

Industrialising Fiat Access for Digital Assets
Strategic Blueprint
Transaction Services & Digital Assets
April 2026
Confidential

Standard Chartered has proven that institutional digital assets work. ULTRA Fund. Project Ensemble. Anchorpoint. A regulated spot desk. The transition from experimentation to normalisation is underway. The next step is access: connecting these products to the participants who are still priced out.

From Proving Ground to Production

Libeara's ULTRA Fund can reduce government bond minimums to single digits. Project Ensemble proved tokenized deposits settle interbank transfers in real time. Anchorpoint holds Hong Kong's first stablecoin license. But these products currently reach institutional clients through banking relationships and FIX API connections. The smaller participants in global trade that DeFilippo describes, the businesses and individuals who face disproportionate barriers to cross-border commerce, need a different kind of access point. Not another banking relationship. A fiat conversion layer that works with their bank account, their card, their local payment method. Ramp Network is that layer. 10 million verified users. 400+ platform integrations. Licensed in the UK, EU, US, and Brazil. Operating since 2017. We process $2B+ annually in fiat-to-digital-asset conversion across 150+ countries. Not a parallel system. An access point into yours.

Where Ramp Network Connects
Libeara: Retail Fiat Access for Tokenized Funds
Today
ULTRA Fund and ChinaAMC retail MMF are accessible via institutional subscription or USDC. Libeara has publicly stated it uses "regulated on/off-ramp partners" for fiat access. The fund infrastructure is production-grade. The fiat access layer is not yet scaled.
With Ramp Network Network
A retail investor in Singapore, London, or Sao Paulo subscribes to a Libeara tokenized treasury fund with a bank transfer or card. One flow. No USDC intermediary. No institutional account. The denominations can be single digits because the fiat conversion handles small amounts at scale. This is how you democratize access to institutional-grade yields.
Anchorpoint: Distribution for HKDAP
Today
HKDAP is a regulated HKD-backed stablecoin with banking-grade reserves. License FRS01 granted April 2026. The issuance and reserve infrastructure is ready. The question is distribution: how do holders acquire and redeem HKDAP at scale?
With Ramp Network Network
Ramp Network provides the retail and SME on/off-ramp for HKDAP across Standard Chartered's footprint. Users convert local currency to HKDAP through cards, bank transfers, and local payment methods. Ramp Network handles the compliance, conversion, and settlement. Standard Chartered controls the stablecoin. The access point is already built.
The Industrialisation Case
Standard Chartered's Americas franchise is the proving ground. What works under US regulatory and operational standards gets industrialised globally. Ramp Network accelerates that industrialisation by providing the fiat access layer that converts pilot-scale products into production-scale distribution.
Conversion Revenue
Fiat-to-fund and fiat-to-stablecoin conversion at retail scale. At $500M annual flow through Libeara funds: $2.5-7.5M. Each additional product (HKDAP, spot desk retail access, tokenized deposits) adds a revenue line.
AUM Expansion
Libeara's $1B+ AUM is institutional. Retail fiat access opens an investor class that Franklin Templeton BENJI and BlackRock BUIDL are racing to capture. Single-digit minimums only work if there is a fiat on-ramp that handles small transactions across jurisdictions.
Corridor Access
Ramp Network's local payment method coverage (PIX in Brazil, open banking in UK/EU, UPI connectivity) aligns with Standard Chartered's high-growth trade corridors. The China-Kenya 15-second settlement rail needs a fiat access point at both ends.
Normalisation
The 2030 vision is digital asset infrastructure that is "embedded and less visible." Ramp Network provides the invisible fiat layer: users see Standard Chartered, not the conversion engine. Technology paired with trust.
What Ramp Network Adds to Standard Chartered's Existing Infrastructure
Capability Standard Chartered Today With Ramp Network
Fiat access for tokenized funds Institutional subscription, USDC, banking relationships Retail fiat on-ramp: cards, bank transfers, local methods. 150+ countries.
Stablecoin distribution Anchorpoint (HKDAP), Paxos (USDG) via institutional channels Retail and SME acquisition/redemption across Standard Chartered's footprint
Regulatory coverage (retail) Banking licenses (UK, HK, SG, UAE). Zodia: UK, Ireland FCA-registered (UK), MiCA CASP (EU), US MSB + state coverage, Brazil
Embedded distribution Straight2Bank, SC Markets, FIX API, aXess 400+ wallet and platform integrations. 10M verified users. Existing access points.
Ramp Network: The Access Point

Distribution

400+ integrations

Embedded inside MetaMask, Trust Wallet, Ledger, World App. These platforms collectively serve hundreds of millions of users. Standard Chartered's products become accessible through existing access points, not new ones.

Licensing

Complementary to banking licenses

FCA-registered (UK). MiCA CASP (EU). US MSB. Brazil. Crypto-specific retail licenses that handle the compliance obligations banking licenses do not always cover for retail fiat conversion.

Conversion Engine

$2B+ processed since 2017

Multi-PSP routing. Open banking (UK, EU, Brazil). Local payment methods. Cards. Institutional-grade KYC/KYT and fraud detection. A production system, not a prototype.

What Happens Next
We propose a 60-minute working session. First: identify which Libeara funds and Anchorpoint products benefit most from retail fiat access. Second: demo the conversion flow showing what a Standard Chartered-branded experience looks like for an end user. Third: scope a pilot corridor and model the economics against current distribution costs.
Ramp Network / Confidential April 2026