Diversification
and building the strongly based core standing on the each possible licence
fitting the best to the specific and jurisdiction aiming on the main purpose
and strategy in each location.
Each locality and jurisdiction has distinct regulatory requirements and holding
specific licenses ensuring operational flexibility and compliance on a global
scale.
1
The Asset & Wealth Management License authorizes the management of institutional and private client portfolios, collective investment schemes, and specialized funds across diverse asset classes. Under this license, the platform provides discretionary and advisory portfolio management, asset allocation, and strategic investment planning — in full compliance with fiduciary and investor-protection standards.
Key activities include: Structuring and administration of investment funds and private mandates, research-driven asset selection and risk-adjusted portfolio construction, ESG-aligned investment strategies and transparent reporting, cross-jurisdictional capital allocation and fund governance
Through this license, the platform ensures responsible, ethical decision-making and sustainable growth for clients across generations.
2
The Investment Banking License enables the platform to operate across capital markets, structured financing, and advisory mandates for corporate and sovereign clients. It represents the core of the RCCG’s strategic financing and cross-border transaction capabilities.
Key activities include: Structuring and underwriting of debt and equity instruments, strategic advisory for mergers, acquisitions, and corporate restructuring, syndicated financing, project funding, and private placements, capital markets research, securities trading, and risk-hedging solutions
Investment banking activities are conducted with full transparency and adherence to international standards, ensuring investor protection and regulatory integrity. By combining deep market expertise with disciplined risk management, the Royal Bank Platform delivers bespoke solutions to global institutions, corporations, and government-linked entities.
3
The Commercial Banking License forms the foundation of the platform’s traditional banking infrastructure. It authorizes retail, corporate, and trade-finance activities — ensuring secure capital management, liquidity optimization, and direct access to global payment systems.
Key activities include: Deposit management and savings instruments, credit facilities, revolving lines, and secured lending, foreign-exchange and treasury operations, international trade finance and correspondent banking
This license upholds the principles of capital adequacy, liquidity management, and client-asset protection in accordance with Basel III and FATF standards.
It embodies RCCG’s commitment to building a stable, compliant, and transparent banking foundation — serving as a bridge between clients and international markets.
4
The Digital Full Banking License authorizes the operation of a fully regulated digital bank with the same privileges and prudential requirements as a traditional commercial bank. It enables deposit-taking, lending, foreign-exchange transactions, and custody of digital assets within a secure and supervised framework approved by financial authorities.
Key activities include: fiat–digital conversions and cross-border settlements, issuance and redemption of Royal Stablecoins (R-USD, R-EUR, R-XAU) for internal and institutional settlements
Institutional-grade wallet and custody infrastructure, real-time Proof-of-Reserve (PoR) validation ensuring transparency and solvency, direct or API-based participation in global payment networks (SWIFT, SEPA, TARGET2, and future blockchain-clearing rails)
The Digital Banking division operates in close cooperation with Royal Digital and international regulators to maintain AML/CFT compliance and data security through advanced monitoring and encryption. By combining innovation with regulation, the Digital Full Banking License defines the next era of banking — secure, transparent, and future-ready — aligned with the RCCG’s vision of hybrid digital transformation.
At present, the Commercial Banking License represents the highest regulatory tier within traditional banking infrastructure - encompassing liquidity operations and direct access to global clearing systems such as SWIFT, SEPA, and TARGET2.
However, the digital financial sector is developing rapidly, which is why the Royal Bank Platform works closely with the Royal Digital Platform, creating a unified ecosystem that supports both sides - not only at the professional level but also through an experienced partnership that bridges traditional banking and the digital financial world.
This hybrid system, known as R-Bridge, is the forerunner of the future Digital Full Banking License service framework. By leveraging expertise from both sides and extensive experience with international regulators across multiple jurisdictions, the Royal Bank Platform ensures that this transformation unfolds responsibly and in full compliance with AML/CFT, data protection, and prudential standards.
Through the seamless integration of innovation and regulation, the Digital Full Banking License defines the next stage of global banking - secure, transparent, and future-ready, fully aligned with RCCG’s vision of digital transformation.
The Digital Full Banking License represents the next top-tier regulated model, combining the strengths of both traditional and digital finance within one unified framework.
The Royal Bank Platform recognises that the future of finance lies in hybrid banking models, where traditional stability meets digital agility. By maintaining strong regulatory governance while adopting advanced technologies, RCCG continues to lead this evolution responsibly and sustainably.
We see a clear path toward convergence - where the Digital Full Banking License will gradually assume the role once held by the Commercial Banking License, and will also encompass the digital financial dimension of the system, ultimately becoming the universal standard for full-scale regulated banking in the digital era.
This future licence will integrate all systems and mechanisms of the R-Bridge network within the existing regulatory framework.
This transformation marks not only the future of the Royal Ecosystem but also a fundamental shift in how global financial systems operate.
In parallel, RCCG is expanding the Royal Digital Platform, developing the digital dimension of finance through its own exchanges, market makers, custodians, wallets, OTC systems, stablecoins, and other next-generation solutions.
RCCG has established its own digital currency - the Royal Stablecoins, collectively known as R-Coins - as a core mechanism within the entire system and an integral part of the R-Bridge infrastructure.
These stablecoins are backed by tangible assets and real value: REUR (Royal Euro, backed by the euro), RUSD (Royal Dollar, backed by the US dollar), and RXAU (Royal Gold, backed by physical gold*).
Together, they represent a return to a value-anchored model of finance inspired by the principles of the traditional gold standard.
Together, these initiatives position the Royal Bank Platform at the forefront of a new age of banking — where trust, innovation, stability, and regulation are united under one Royal Framework and umbrella.
Trusted by Regulation.
Driven by Innovation.
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