SYSTEM AND METHOD TO MANAGEMENT A CRYPTOGRAPHIC BANKING NETWORK

Abstract

The present solution relates to a system and methods to management a network where participate at least a bank, at least a client, and at least a regulatory body, whereas a series of operating protocols of said network, comprising; the creation of a cryptographic asset mirror of cryptocurrency, a management interactive node of said cryptographic asset. A crypto-assets clearance chamber for this solution is also disclosed.

Claims

1. A system to management a cryptographic banking network that comprises a service microstructure, where said service microstructure comprising; a cryptographic asset backed by at least one cryptocurrency (CC) deposited in a plurality of custodial wallets of the participating organizations, at least one banking entity, at least one banking client, a cryptoactive clearance chamber, managed by a custodial regulatory body through smart contracts and the creation of a second private and permissive layer that interacts with a first public layer, and where there is also at least one Application Programming Interface (API), a main book or computer file for recording and totaling economic transactions measured in terms of a monetary unit of account-by-account type (Ledger), a process by which banks obtain information about the identity and address of the customers (KYC), a plurality of master wallets, at least one smart contract that can be created, developed and implemented, at the end of a communication channel (endpoint) to allow interaction with the API, said endpoint to be developed and implemented. Where said system is characterized by; the cryptographic asset allows the implementation of at least one cryptographic node (Qcc) that allows the management of cryptocurrencies in interface with the APIs, where the processes of deposits, withdrawals, movements and interbank transfers will be carried out between the participants of the network, managing a single accounting book, safe, reliable and immutable, without the need to reconcile accounts with untimely clearing processes, optimally covering liquidity needs among clients and updating balances in real time.

2. The system to manage a cryptographic banking network according to claim 1, wherein; all the operations on the Qcc nodes will be written in the Ledger of the monetary transactions network.

3. The system to manage a cryptographic banking network according to claim 1, wherein; through KYC, the creation of accounts in cryptocurrencies is managed.

4. The system to manage a cryptographic banking network according to any of precedent claims, is a system based on an ecosystem that comprise; a blockchain platform, a network of participants, a legal treasury at least one for each participant, a cryptocurrency network, a transactions set, at least one customer.

5. The system to manage a cryptographic banking network according to any of precedent claims, is a system that includes a layers architecture, wherein said layers interact with each other in a descending and ascending linear sense according to the data flow, where said layers mentioned in ascending order are; blockchain platform, security cryptographic, communication protocol, and Integration Interface based on API, and also external interactive to regulatory body and currency cloud.

6. The system to manage a cryptographic banking network according to claim 5, wherein said Integration Interface, comprising at least the following services; Authentication, Account management, Management of Signatures/Signatories, Portfolio/wallet management, Contact management, Fund management, Transaction management, and Message management.

7. The system to manage a cryptographic banking network according to any of precedent claim that is a system with a functional structure, which components are; at least four participants, three active and one for observation. The first three organizations will be banks and the fourth will emulate the regulatory body, which will monitor all withdrawal operations, deposits, physical movements and interbank transfers of assets (Qcc), events and identity issues; a set of cryptographic monetary network nodes for the management of Qcc assets, where each financial institution will have two nodes, one active and one passive backup, these nodes correspond to the platforms in which the wallets are stored, in this way based on three organizations configure six nodes; a set of Authorizers and certificate generators, at least total five distributed as follows; One for each organization: three banks, one regulatory body, and one for an ordering service; at least two channels, there is one made up for the organizations that manage Qcc, the other channel will link the regulatory body with the banks for the monitoring of events; an Ordering Service composed of at least five nodes; a set of Smart contracts, created and developed for asset management, a Core Interface, which is an application interface (API) that exposes microservices, its main function is the integration between the legacy systems of the banks and the assets in the Network. a set of legacy Systems or Core Banking, that are systems or platforms of said entities in which interbank currency deposits, withdrawals and movements are recorded in cash, and update the network ledger through the core interface; a set of cryptocurrency wallets, which are virtual wallets in which crypto assets can be managed, and which are designed to store or manage cryptocurrency keys, in this network there must be three wallets for each participant or financial institution called: Active, Compensation and Cold, each with a purpose; and, a USDT wallet or also called US Tether is considered within the stablecoins or stable cryptocurrencies, one of its functions is that the cryptocurrency is always worth 1 dollar, this means 1 USD $

8. The system to manage a cryptographic banking network according to claim 7, wherein consider uses another stable digital money different to digital dollar.

9. The system to manage a cryptographic banking network according to claim 7 where through smart contracts new financial products can be created.

10. The system to manage a cryptographic banking network according to any of precedent claims, wherein, comprises an instant messaging operation and service based on P2P network linked or integrated with the system to manage a cryptographic banking network.

11. The system to manage a cryptographic banking network according to any of precedent claims, wherein comprises that each network participant must create and manage at least three wallets, where each wallet is as follows; a first wallet, that is an active wallet, where each client deposit CC, and store the private key under control by the cryptographic banking network; a second wallet, that contains CC to transfer between banks participants; and, a cold wallet, that is doesn't online available respect to the cryptographic banking network, and doesn't have external stolen risk

12. The system to manage a cryptographic banking network according to any of precedent claims, wherein bank participant must create a wallet once a time, each wallet is stored at Qcc nodes in order to guarantee a backup availability by online synchronicity.

13. The system to manage a cryptographic banking network according to any of precedent claims, wherein the security wallet manages consist in a private key generated of at least twelve characters encrypted and validated by QR code generated, where said QR code is generated by the cryptographic banking network when the respective wallet was created.

14. The system to manage a cryptographic banking network according to claim 13, wherein the private key must be physically supported by respective bank vault through a security protocol.

15. The system to manage a cryptographic banking network according to claim 14, wherein the security wallet manages incorporates a single seed generated for each wallet created, which is recorded to validation in order to realize a double authentication.

16. The system to manage a cryptographic banking network according to claim 15, wherein in order to restore any seed generated that lost it, the security wallet manages comprises a protocol based on retrieve keywords, or characters codes, or combination thereof.

17. The system to manage a cryptographic banking network according to any of precedent claims, wherein incorporates the Blockchain as Service modality.

18. The system to manage a cryptographic banking network according to any of precedent claims wherein, makes available a Proof of Concept in order to show the use and functionalities, for which the functionalities are enabled as a Demo for the entities when starts operation.

19. A process to manage a cryptographic banking network, wherein participate at least; a first Bank, a second Bank, a third Bank, a regulatory body, a Qcc node, and a client and that includes the following general steps: a) Develop API's and Smart contracts. b) Qcc Deposit Manage and Qcc creation. c) A transaction within the network. d) Withdrawal of CC from the network. e) Manage a crypto asset clearinghouse.

20. The process to manage a cryptographic banking network according to claim 19, wherein the process to develop API's and Smart contracts is as follows: a) The APIs that must be developed for the management of CC and Qcc through the network are mentioned. b) Likewise, the smart contracts must be created and invoked to interact with the network. c) The APIs that must be developed for the management of CC and Qcc through the network are at least the follows: authentication, account management, management of signatures/signatories, portfolio/wallet management, contact management, fund management, transaction management, message management, node management. d) At least Seven master wallet per Qcc node with their respective physical and logical security layers. e) KYC process to generate account in any cryptocurrency. f) API's in the Qcc core interface for managing CC, that includes following steps: g) Receive CC through the cryptocurrency network. h) Make the move or send-from to transfer CC through the cryptocurrency network. i) Signature management. j) Send cryptocurrency through the business network.

21. The process to manage a cryptographic banking network according to claim 20, wherein for receive Cryptocurrency through the cryptocurrency network, must be following steps: a) Generate cryptocurrency address associated with the customer's account at the business network. b) Track the cryptocurrency address for the check in of the cryptocurrency received.

22. The process to manage a cryptographic banking network according to claim 20, wherein for make the move or send-from to transfer CC through the cryptocurrency network, must be following steps: a) Get the contact's cryptocurrency master account. b) Validate account, be it from the same bank or from another bank. c) The signature management consists of configuring and obtaining signatories for the transfers approval through the business network and cryptocurrency network.

23. The process to manage a cryptographic banking network according to claim 20, wherein for send cryptocurrency through the business network, must be following steps: a) Obtain signatures to authorize the operation. b) Validate business network contact. c) Register the transfer of the asset in the ledger.

24. The process to manage a cryptographic banking network according to claim 20, wherein for the development and implementation of smart contracts, all operations on the Qcc nodes will be written in the Ledger of the business network, for which the following tasks must be met: a) Generate addresses to receive outside the business network. b) Make deposits outside the business network. c) Manage network contacts. d) Move or send-from, from the addresses created to receive CC through the cryptocurrency network to the master wallets. e) Make transfers between customer accounts of different banks or the same bank. f) Management of parity between the master's wallet and cryptocurrency addresses generated for bank clients to receive CC through the cryptocurrency network. g) Later, the management processes for this asset will be specified.

25. The process to manage a cryptographic banking network according to claim 19, wherein the process to CC Deposit Process and Qcc creation, are as follows steps: a) A client makes a transfer of CCs to his wallet guarded by a first Bank. (b) The CCs are received in the client's wallet guarded by said first Bank. (c) The first Bank's Qcc Node validates the incoming CC transaction. (d) The deposit is registered through an endpoint activating the smart contract for the deposit of CC creating the same amount of CC that were transferred to the wallet. (e) Qcc node validate transactions and client status using a consensus algorithm. (f) The record is created in the Ledger. (g) The new Block is added to the existing Block chain so that the operation is kept unalterable and permanent. (h) The Regulatory body only receives the events of the execution of smart contracts through the respective channel.

26. The process to manage a cryptographic banking network according to claim 25, wherein includes more than three banks, and more than one regulatory body.

27. The process to manage a cryptographic banking network according to claim 19, wherein transaction process within the network includes participation of a first Bank, a second Bank, a third Bank, a regulatory body, a client, and a Qcc node, and is as follows steps: (a) The first Bank consumes Balance endpoint that activates the smart contract to read the Balance if it has a balance and requests a transfer of CC to second Bank. (b) said first Bank records transaction in the business network through endpoints that activates the smart contract for CC transfer between banks. (c) The Qcc node validate the transactions and the client's status using a consensus algorithm and, according to the approval policies, authorize the request. (d) The record is created in the transfer ledger with the appropriate structure, this triggers the smart contract for bank reconciliation, keeping track of debits and debts between banks. (e) A new block is added to the existing blockchain in such a way that it remains unaltered and permanent. (f). The regulatory body only receives events from the execution of smart contracts through the respective channel. (g). A client can see the transfer received and his CC new balance in his account.

28. The process to manage a cryptographic banking network according to claim 27 wherein includes more than three banks, and more than one regulatory body.

29. The process to manage a cryptographic banking network according to claim 19, wherein for withdrawal of CC from the network, includes as participants; a Bank a regulatory body, a client, and a Qcc node, and must follows steps: (a) The client requests the withdrawal of CC from its custodial wallet with first Bank. (b) Said Bank performs the registration of the withdrawal transaction through an endpoint which activates the intelligent withdrawal contract in the Qcc nodes. (c) Qcc nodes validate transactions and client status using a consensus algorithm. (d) The record is created in the ledger with the appropriate structure, this triggers CC withdrawal smart contract and Qcc destruction. (e) A new block is added to the existing Blockchain so that it remains unchanged and permanent. (f) The regulatory body only receives events from the execution of smart contracts through the respective channel. (g) The Bank sends the CC to the wallet indicated by the client

30. The process for managing a cryptographic banking network in accordance with claim 19, wherein to manage a cryptoactive clearinghouse, which is based on smart contracts also with the creation of a second private and permissive layer, said second layer interacting with the network of cryptocurrencies, the steps must be followed as follows: a) A cryptographic assets wallet is transferred to the custody wallet. (b) Once received these cryptographic assets, Qcc, it is created within the private network an asset mirror or backed in the CC received, where Qcc=1 CC (c) Once the respective intelligent contract is executed and these Qcc is generated, the user will be able to see his balance available in CC reflected in the balance sheet, which they may use to exchange between other users belonging to the network. (d) When a client transfers CC to another Client within the network, a CC debt is created between the CC custody institutions, for this through an intelligent contract, the debits and credits are reconciled in order to arrive an amount established between the parties or maximum once a day is reconciled and the corresponding transfers are made between the wallets and all of this is controlled by smarts contract. (e). When the client wishes to leave the network and transfer their Qcc to a CC wallet, a request is made to the financial institution to proceed with the transfer. once the CC transfer is destroyed, the Qcc assets are destroyed to maintain the balance and parity between CC assets and Qcc assets, the Qcc assets existing in the network cannot be different from the CC custoded by network bodies. (f) As a security characteristic of the network is the existence of regulatory participants or observers who can ensure the correct operation. (g) The participants of this network have each one of them known identities so that you can know who participates in the network by eliminating the pseudo anonymity that exists in the CC traditional network.

31. The process for managing a cryptographic banking network in accordance with claim 19, wherein to manage a cryptoactive clearinghouse, which is based on smart contracts also with the creation of a second private and permissive layer, said second layer interacting with the network of cryptocurrencies, the steps must be followed as follows (a) The bank according to the periodicity starts the batch process of clearance established. (b) Confirm the accounting balances in CC. (c) Make the CC movements to the master wallet to the bank nodes. (d) The move and sendFrom operations are validated. (e) Write operation in Ledger.

32. The process to manage a cryptographic banking network according to any of claims 19 to 30, wherein incorporates complementary transactions with USDT or another digital currency.

Description

DETAILED DESCRIPTION

[0066] Some invention characteristics could be explained as follows with assistant of drawings 1 to 4.

[0067] In preferred embodiment the system to manage a cryptographic banking network according to present invention, comprising a system, wherein said system comprises; a cryptographic asset backed by at least one cryptocurrency deposited in a plurality of custodial wallets of the participating organizations, at least one banking entity, at least one banking client, a cryptoactive clearance chamber, managed by a custodial regulatory body through smart contracts and the creation of a second private and permissive layer that interacts with a first public layer, and where there is also at least one Application Programming Interface (API), a main book or computer file for recording and totaling economic transactions measured in terms of a monetary unit of account-by-account type (Ledger), a process by which banks obtain information about the identity and address of the customers (KYC), a plurality of master wallets, at least one smart contract that can be created, developed and implemented, at the end of a communication channel (endpoint) to allow interaction with the API, said endpoint to be developed and implemented.

[0068] Where said System is characterized by;

[0069] The cryptographic asset allows the implementation of a cryptographic node (Qcc) that allows the management of cryptocurrencies in interface with the APIs, where the processes of deposits, withdrawals, movements and interbank transfers will be carried out between the participants of the network, managing a single accounting book, safe, reliable and immutable, without the need to reconcile accounts with untimely clearing processes, optimally covering liquidity needs among clients and updating balances in real time.

[0070] In another preferred embodiment the cryptographic monetary network is a system based on an architecture that comprise; a blockchain platform, a network of participants, a legal treasury at least on for each participant, a cryptocurrency network, a transactions set, at least one customer.

[0071] In other preferred embodiment the cryptographic monetary network is a system that includes a layers architecture, wherein said layers interact with each other in a descending and ascending linear sense according to the data flow, where said layers mentioned in ascending order are; blockchain platform, security cryptographic, communication protocol, and Integration Interface based on API, and also external interactive to regulatory body and currency cloud. See FIG. 1.

[0072] This Integration Interface, comprising at least the following services; Authentication, Account management, Management of Signatures/Signatories, Portfolio/wallet management, Contact management, Fund management, Transaction management, and Message management.

[0073] In another embodiment the system to manage a cryptographic banking network is a system with a functional structure, which components are;

[0074] At least four participants (4): three active and one for observation. The first three organizations will be banks and the fourth will emulate the regulatory body, which will monitor all withdrawal operations, deposits, physical movements and interbank transfers of assets (Qcc), events and identity issues.

[0075] The system to manage a cryptographic banking network to management of Qcc assets, where each financial institution will have two (2) nodes, one active and one passive backup, these nodes correspond to the platforms in which the wallets are stored, in this way based on 3 organizations configure six (6) equal nodes

[0076] Authorizers and certificate generators (CA), in total Five (5) distributed as follows; One for each organization: three (03) banks, one (01) regulatory body and one (01) for an ordering service.

[0077] Channels, in total Two (2): refers to the communication channels for each of the transactions for each cryptoactive, there is one made up for the organizations that manage Qcc, the other channel will link the regulatory body with the banks for the monitoring of events.

[0078] An Ordering Service composed of at least 5 nodes.

[0079] Smart contracts, created and developed for asset management.

[0080] Core Interface, which is an application interface (API) that exposes microservices, its main function is the integration between the legacy systems of the banks and the assets in the Network.

[0081] Legacy Systems or Core Banking, that are systems or platforms of said entities in which interbank currency deposits, withdrawals and movements are recorded in cash, and update the network ledger through the core interface.

[0082] Cryptocurrency wallets, which are virtual wallets in which crypto assets can be managed, and which are designed to store or manage cryptocurrency keys, in this network there must be three wallets for each participant or financial institution called: Active, Compensation and Cold, each with a purpose.

[0083] USDT wallet or also called US Tether is considered within the stablecoins or stable cryptocurrencies, one of its functions is that the cryptocurrency is always worth 1 dollar (1 USD $)

[0084] Optionally the system to manage a cryptographic banking network consider uses another stable digital money different to dollar for other purposes

[0085] In another embodiment the system to manage a cryptographic banking network includes an instant messaging operation and service on P2P network linked or integrated with the system to manage a cryptographic banking network according with the invention.

[0086] Another embodiment comprises that each network participant must create and manage at least three wallets, where each wallet is as follows;

[0087] A first wallet, that is an active wallet, where each client deposit CC, and store the private key under control by the cryptographic banking network.

[0088] A second wallet, that contains CC to transfer between banks participants.

[0089] And a cold wallet, that is doesn't online available respect to the cryptographic banking network, and doesn't have external stolen risk.

[0090] This cold wallet is recommended to storage the banks participant of network, or for storage VIP CC.

[0091] Each bank participant must create a wallet once a time, each wallet is stored at Qcc nodes in order to guarantee a backup availability by online synchronicity.

[0092] The security wallet manages consist in a private key generated of at least twelve characters encrypted and validated by QR code generated, where said QR code is generated by the cryptographic banking network when the respective wallet was created

[0093] This private key must be physically supported by respective bank vault through a security protocol.

[0094] The security wallet manages incorporates a single seed generated for each wallet created, which is recorded in order to realize a double authentication.

[0095] In order to restore any seed generated that lost it, the security wallet manages comprises a protocol based on retrieve keywords, or charactered codes, or combination thereof.

[0096] Also, in another embodiment of invention all the operations on the Qcc nodes will be written in the Ledger of the monetary transactions network, and through KYC, the creation of accounts in cryptocurrencies is managed.

[0097] In another embodiment, the invention incorporates the Blockchain as Service modality

[0098] It also comprises a macro level of a process to operate that includes the steps of;

[0099] Develop API's and Smart contracts.

[0100] Qcc Deposit Manage and Qcc creation

[0101] A transaction within the network.

[0102] Manage a crypto asset clearinghouse

[0103] Each step contains a respective process that is explained below:

[0104] API's and smart contracts developed

[0105] The APIs that must be developed for the management of CC and Qcc through the network are mentioned.

[0106] Likewise, the smart contracts must be created and invoked to interact with the network.

[0107] The APIs that must be developed for the management of CC and Qcc through the network are at least the follows: authentication, account management, management of signatures/signatories, portfolio/wallet management, contact management, fund management, transaction management, message management, node management.

[0108] A set of master wallet per Qcc node with their respective physical and logical security layers.

[0109] KYC process to generate account in any cryptocurrency

[0110] API's in the Qcc core interface for managing CC, that includes following steps:

[0111] Receive CC through the cryptocurrency network.

[0112] Make the move or send-from to transfer CC through the cryptocurrency network.

[0113] Signature management

[0114] Send cryptocurrency through the business network

[0115] Each step before cited has sequentially sub-steps, that are:

[0116] For receive Cryptocurrency through the cryptocurrency network, must be following steps:

[0117] Generate cryptocurrency address associated with the customer's account at the business network.

[0118] Track the cryptocurrency address for the check in of the cryptocurrency received.

[0119] For make the move or send-from to transfer CC through the cryptocurrency network, must be following steps:

[0120] Get the contact's cryptocurrency master account

[0121] Validate account, be it from the same bank or from another bank.

[0122] The signature management consists of configuring and obtaining signatories for the transfers approval through the business network and cryptocurrency network.

[0123] For send cryptocurrency through the business network, must be following steps:

[0124] Obtain signatures to authorize the operation

[0125] Validate business network contact

[0126] Register the transfer of the asset in the ledger.

[0127] For the development and implementation of smart contracts, all operations on the Qcc nodes will be written in the Ledger of the business network, for which the following tasks must be met:

[0128] Generate addresses to receive outside the business network.

[0129] Make deposits outside the business network

[0130] Manage network contacts.

[0131] Move or send-from from the addresses created to receive CC through the cryptocurrency network to the master wallets

[0132] Make transfers between customer accounts of different banks or the same bank.

[0133] Management of parity between the master's wallet and cryptocurrency addresses generated for bank clients to receive CC through the cryptocurrency network.

[0134] Later, the management processes for this asset will be specified.

[0135] Operational process

[0136] Below are the banking processes for the cryptocurrency custodian service, as well as the performance of the business network according to the present invention to ensure articulation between the participants, guaranteeing timely liquidity, security of assets, minimization of commission costs and transparency in transactions. Basically, there are three (3) main ones, first there is the process of depositing CC and creating Qcc, secondly there is the transaction process within the network, and finally the process of withdrawing CC from the network.

[0137] This process is the same for whatever cryptocurrency that are going to be added to the network

[0138] CC Deposit Process and Qcc creation

[0139] As can be seen at FIG. 1, the network participants are; a first Bank 10, a second Bank 20, a third Bank 30, a regulatory body 40, a Qcc node 50, and a client 60, Each path is numbered from 1 to 8, according to each step from a to h, described below, so the process that is carried out consists of the following steps:

[0140] (a) The client makes a transfer of CCs to his wallet guarded by a first Bank 10.

[0141] (b) The CCs are received in the client's wallet guarded by said first Bank 10

[0142] (c) The first Bank's 10 Qcc Node validates the incoming CC transaction.

[0143] (d) The deposit is registered through an endpoint activating the smart contract for the deposit of CC creating the same amount of CC that were transferred to the wallet.

[0144] (e) Qcc node 50 validate transactions and client status using a consensus algorithm.

[0145] (f) The record is created in the Ledger with the defined structure.

[0146] (g) The new Block is added to the existing Block chain so that the operation is kept unalterable and permanent.

[0147] (h) The Regulatory body 40 only receives the events of the execution of smart contracts through the channel.

[0148] There is no restriction regarding the number of banks or clients that join the network, as well as that other regulatory bodies may participate. FIGS. 1 and 2 are only an example, without a restrictive character, to know the fundamentals of the solution proposed here.

[0149] Transaction process within the network.

[0150] As seen at FIG. 2, the network participants are; a first Bank 10, a second Bank 20, a third Bank 30, a regulatory body 40, and a Qcc node 50, Each path is numbered from 1 to 7, according to each step from a to g, described below, so the process that is carried out consists of the following steps:

[0151] (a) first Bank 10 consumes Balance endpoint that activates the smart contract to read the Balance if it has a balance and requests a transfer of CC to second Bank 20

[0152] (b) said first Bank 10 records transaction in the business network through endpoints that activates the smart contract for CC transfer between banks.

[0153] (c) The Qcc node 50 validate the transactions and the client's status using a consensus algorithm and, according to the approval policies, authorize the request.

[0154] (d) The record is created in the transfer ledger with the appropriate structure. This triggers the smart contract for bank reconciliation, keeping track of debits and debts between banks.

[0155] (e) the new block is added to the existing block chain in such a way that it remains unaltered and permanent.

[0156] (f). The regulatory body 40 only receives events from the execution of smart contracts through the channel.

[0157] (g). the bank client can see the transfer received and his new balance in CC in his account.

[0158] Withdrawal of CC from the network

[0159] This process can be followed for its understanding based on what is illustrated in FIGS. 1 and 2, in terms of the network participants. The process consists of the following steps, a to g:

[0160] (a) The client requests the withdrawal of CC from his custodial wallet with first Bank 10

[0161] (b) said first Bank 10 performs the registration of the withdrawal transaction through an endpoint which activates the intelligent withdrawal contract in the Qcc nodes 50.

[0162] (c) Qcc nodes 50 validate transactions and client status using a consensus algorithm.

[0163] (d) The record is created in the ledger with the appropriate structure. this triggers CC Withdrawal smart contract and Qcc destruction

[0164] (e) the new block is added to the existing chain of blocks so that it remains unchanged and permanent.

[0165] (f) The regulatory body 40 only receives events from the execution of smart contracts through the channel.

[0166] (g) The Bank 10 sends the CC to the wallet indicated by the client 60

[0167] Crypto-assets clearance chamber

[0168] It is based on smart contracts and the creation of a second private and permissive layer, the second layer interacting with the public cryptocurrency network. The process to achieve this is based on the following steps, from a to g:

[0169] (a) The cryptographic assets wallet is transferred to the custody wallet.

[0170] (b) Once received these cryptographic assets, Qcc, it is created within the private network an asset mirror or backed in the CC received, where Qcc=1 CC

[0171] (c) Once the respective intelligent contract is executed and these Qcc is generated, the user will be able to see his balance available in CC reflected in the balance sheet, which they may use to exchange between other users belonging to the network.

[0172] (d) When a user transfers CC to another user within the network, a CC debt is created between the Qcc custody institutions, for this through an intelligent contract, the debits and credits are reconciled in order to arrive an amount established between the parties or maximum once a day is reconciled and the corresponding transfers are made between the wallets and all of this is controlled by smarts contract.

[0173] (e). When the client wishes to leave the network and transfer their Qcc to a CC wallet, a request is made to the financial institution to proceed with the transfer. once the CC transfer is destroyed, the Qcc assets are destroyed to maintain the balance and parity between CC assets and Qcc assets, the Qcc assets existing in the network cannot be different from the CC custoded by network bodies

[0174] (f) As a security characteristic of the network is the existence of regulatory participants 50 or observers who can ensure the correct operation.

[0175] (g) The participants of this network have each one of them known identities so that you can know who participates in the network by eliminating the pseudo anonymity that exists in the CC traditional network.

[0176] An alternative embodiment about Crypto-assets clearance chamber according to FIG. 5, is explained below by following steps:

[0177] (a) The bank according to the periodicity starts the batch process of clearance established

[0178] (b) Confirm the accounting balances in CC

[0179] (c) Make the CC movements to the master wallet to the bank nodes

[0180] (d) The move and sendFrom operations are validated

[0181] (e) Write operation in Ledger