Today's standard
Traditional transactions
Fast and familiar, but people cannot see what stands behind their money.
Powered by CIP Trust Technology™ · PATENTED IN EU, US AND ASIA
Anything of value, made Verified, Trusted and Instant.
CIP is the trust layer for money and assets. Every token is tied to a real asset, every payment is approved by independent institutions, and every receipt can be checked on the phone. Final in seconds.
VerifiedTrustedInstant
The world today, and tomorrow
How the world moves value, and where it is going.
Money moves fast today, but people cannot see what stands behind it. Public blockchains made value visible, but rarely fit national rules. The next step joins both: value that is fast, visible and run by the institutions people already trust.
The last decade
Public blockchains
Open and transparent, but often slow, costly and hard to fit with national rules.
PATENTED · EU · US · ASIA
Next generation
CIP Trust Technology
Fast, transparent and built for institutions. The best of both.
Verified
Every value is backed by something real, and people can see it for themselves.
Trusted
Approved together by independent institutions. No single party can alter a record.
Instant
Money arrives at once, whether it is a cup of coffee or a monthly salary.
Not a new currency
A trust layer that ties every token to a real asset and keeps track of every owner and every share: for stablecoins, digital currencies, gold, share registers, VAT refunds or anything that must be tracked.
How CIP works, in one picture
Three layers. One trusted record.
Someone owns a value, or needs to keep track of something. CIP's technology makes it safe, provable and fast. Then apps are built for the people who use it, by us or by partners.
1
Any asset · Any use case
Owned by states, companies or partners€
Digital currency
National stablecoin or e-money. 1 token = 1 unit, always redeemable.
Au
Gold & commodities
1 token = 1 gram of vaulted gold, LBMA standard.
%
Shares & registers
Who owns what, for companies, funds and property.
⇄
Exchange
Trade all assets in one place. Coming later.
↓registered, backed and protected by
2
CIP Trust Technology
The engine in the middleLedger: one shared record of every value and every owner
Independent nodes approve every transaction
Proof of every transaction, checked on the phone
Reserve check in real time
Privacy levels: open, regulated or private
Runs locally: nodes on national servers
Offline payments: in development
Patented in the EU, the US and Asia
↓delivered to people through
3
Users & apps
Built for the need, by CIP or by partnersWallet
Pay, save, send
Shops & tills
Get paid by QR code
Banks
Load, redeem, hold reserves
Authorities
Oversight and reports
Traders
On the exchange, later
Inside the engine
Approved together. Changed by no one.
Several independent institutions sign every transaction. Approval is shared, so the system stays honest and keeps working even if one party fails. Every payment gets a receipt that can never be altered, and the user's own phone can check it.
Transaction →
→ Done + receipt
Central bank
Ministry
Issuer
Partner bank
You run the network
Central bankMinistry of financeAsset issuerPartner banks
Your own institutions approve together, on servers in your country. CIP delivers the technology. Control stays with you.
You choose who sees what
OpenEveryone sees all transactions.
RegulatedRecommended. Supervisors see what the law requires; people see their own.
PrivateHidden transactions, where the rules allow.
Use cases
One platform. Any asset.
The same technology carries any asset that must be backed, owned and moved. Start with one use case and add more on the same network.
Stablecoins & CBDC
Digital money backed 1:1 for salaries, pensions, taxes and everyday payments. Settled in seconds.
Gold-backed tokens
Let people save in vaulted gold one gram at a time, with the reserve visible in the app.
Share & ownership registers
Companies, funds and property. Every change approved and recorded so no one can alter it.
Tax & VAT refunds
Same-day refunds for visitors and businesses, with a full audit trail for the tax office.
Real-time payments
Pay by phone number or QR code. Small amounts work as well as large ones.
Exchanges & tokenization
Order matching, clearing and transparent ownership records for any tokenized asset.
Live today
Every coin backed. Every payment proven.
The CIP Wallet is already running. It can be delivered in an issuer's own name and colours, or built into existing banking apps.
1
Send and receive
Pay by phone number or QR code. Even very small amounts.
2
See what backs every coin
Our test coin is already backed by physical gold. The reserve is open to see in the app.
3
Proof of every payment
Independent nodes agree, and the phone itself checks their signatures.
EnglishSvenskaAzərbaycan日本語
Patents & global reach
Examined independently, in every region.
Before granting a patent, each patent office examines the invention on its own. A national system can point to that public record. It does not rest on one company's word.
Method and system for performing electronic transactionsInventor: David JacquetPriority: SE 1950780-5 · 2019-06-25PCT/SE2020/050639
Europe
~450M people
EP 3991116 · SE 544 149 C2
Validated in Sweden, Belgium, France, Germany, Ireland, Luxembourg, Spain, Switzerland/Liechtenstein and the UK.
United States
~330M people
US 12,443,950 B2
Granted 14 October 2025.
India
~1.4B people
IN 548491
Granted 23 August 2024.
China
~1.4B people
CN 114041156 B
Granted 2 January 2026.
~3.6 billion
people live in markets where CIP's core technology is patented. Patent holder: Coined Investment Pool Company AB, Sweden.
Work with us
Three ways to build. Start small, grow step by step.
CIP Wallet, your brand
Our running wallet app in the issuer's name and colours. The fastest way to start.
Inside existing apps
Banks and payment apps add digital money or gold to their own apps with our SDK.
For institutions
Oversight, reserve and reporting views for central banks, ministries and issuers.
Step 1PilotOne use case, small amounts, limited users.
Step 2ScaleMore users, shops and banks.
Step 3NationwideFull use for people, business and the state.
In developmentOffline paymentsPay without internet.
Team
Swedish cryptology, built for the real economy.
David Jacquet
Co-founder & CEO · CryptologistPhD in pure mathematics, with a background in cryptology at the Swedish National Defence Radio Establishment (FRA). Leads development of CIP's patented technology.
david.jacquet@cip.se
Carl Winblad
Co-founder · CommercialSerial entrepreneur, M.Sc. in Mechanical Engineering. Scales technology ventures across construction and digital sectors.
carl.winblad@cip.se
David Åhman
Co-founder · Chairman · FinanceDeep expertise in finance and administration. Keeps the company on a solid financial and operational footing.
david.ahman@cip.se
Daniel Ringqvist Svensson
Co-founder · ArchitectSystem architect behind CIP's infrastructure and the CIP Wallet.
daniel.svensson@cip.se
Joakim Uvegård
Co-founder · LegalRegulatory compliance and strategic legal guidance.
joakim.uvegard@cip.se
Partnership & licensing
Let's make your value verified, trusted and instant.
Central banks, issuers, banks, exchanges and partners: tell us what you need to track or move, and we will show you a pilot on the running platform.