ARYZE Wants to Be the Stablecoin Plumbing for Global Payments

The Danish fintech company ARYZE is building a regulated stablecoin stack that turns “dumb money” into programmable digital money, connecting fiat and blockchain rails for everything from client‑facing payments to cross‑border transactions.

November 28, 2025

stablecoins

Fintech

In an interview with Kaupr, CEO Bertram Seitz explains how fully backed digital versions of existing currencies can become the invisible infrastructure behind everyday payments, cross‑border flows, and future financial services. ARYZE’s long-term vision is to integrate traditional accounts and cards with blockchain-based money in a single, coherent system, enabling value to move instantly and transparently between banks, businesses, and users.

Global ambitions

By taking one of the toughest regulatory routes in Denmark and Europe, with clear global ambitions, and by letting partners launch their own branded digital cash on top of a shared platform, ARYZE is positioning itself as core plumbing for a world where most assets are tokenized, and ownership can change with a click.

From vision to “programmable money”

ARYZE’s mission now is to grow and commercialise what the team has spent years building: a stablecoin infrastructure based on “programmable money” long before the word stablecoin became mainstream. The company describes its stack as a very strong, compliant and secure way to issue stablecoins for almost any player, from banks and fintechs to large enterprises.

Making “dumb money” smart

CEO Bertram Seitz frames the core idea as making “dumb money smart” by digitising cash that is fully backed one‑to‑one by fiat and regularly audited. Once money becomes digital cash in this way, it moves faster and more safely, and—crucially—can be made programmable so conditions and workflows are built into the payment itself rather than handled in separate systems.

Tokenization with real‑world reserves

ARYZE sees itself as an infrastructure company: when something is tokenized, it must exist in the real world first. That means having clear proof of asset, confirming the backing and defining a reserve before any minting happens so every digital unit is backed one‑to‑one by physical or financial assets in the background. Only after that step does the blockchain come in as the underlying infrastructure technology.

Currencies first, daily rails

While “anything that has a value can be tokenized”, ARYZE plans to concentrate on currencies over the next few years because they sit at the centre of daily financial life. Bank transfers, MobilePay‑style payments and other everyday flows all run on fiat rails, so starting with tokenized currencies targets the biggest and most immediate industry. ARYZE has even issued a small amount of its own euros, sterling and dollars as a proof of concept to demonstrate that the model and audits work before scaling it as a service.

Dual rails and Danish licenses

The next push is closely tied to regulation, which is why ARYZE is going for a full EMI licence and MiCA‑aligned set‑up out of Denmark. The ambition is to offer both rails at once: stablecoins on blockchain rails and payment services on traditional fiat rails, all within one platform. In practice, that means giving users IBAN and SWIFT‑based accounts alongside stablecoin balances so everything is exchangeable and movable in one place.

Branded stablecoins as a signal

On top of the core infrastructure, ARYZE offers branded stablecoins where a client’s own name and logo sit on top of the same technical plumbing. Technically there is no difference at all—same backing, same audits, same logic—but branded coins let companies signal innovation and build their own money experience on top of ARYZE’s rails.

One logic, many assets

ARYZE’s smart contracts for stablecoins share a common “DNA”, which means any coin issued with this logic can be exchanged into any other asset in the ecosystem without third‑party liquidity pools or external smart contracts. As long as another coin’s smart contract is upgradable, it can be pulled into this environment, allowing “any coin to any coin” conversions inside a single, controlled system. This flexibility is presented as one of ARYZE’s biggest advantages.

A tokenized future, built compliantly

Seitz is convinced that payment rails will move onto blockchain in the coming years because a decentralised ledger is fast, efficient and cost‑effective for moving and transacting assets. In that world, transferring value often means changing ownership without physically moving the underlying asset, which is exactly what tokenization enables. ARYZE is preparing for global expansion with partners in open banking and stresses that growth will follow the speed of licensing, because the company refuses to enter markets without being fully regulated—seeing compliance as the key to winning a large footprint in this new era.