Avalanche encourages FIS and Intain to launch Digital Liquidity Gateway for US banks

FIS and Intain Markets have done so launched the Digital liquidity gateway on Avalanchea blockchain-based marketplace that enables US regional and community banks to buying, selling and securitizing loan portfolios with more efficiency and transparency.

This platform makes – roughly speaking – smaller financial institutions possible 2,000 in the United States– gain access to institutional quality liquidity traditionally only available to large banks. Built on Intain’s Avalanche Layer 1 blockchain and integrated with The core banking systems of FISwant to make it asset-backed financing faster, verifiable and more transparent.

A direct bridge

The Digital Liquidity Gateway connects local lenders to large-scale investors, allowing them to do just that digital trade loan portfoliossuch as small business loans and commercial real estate – onchain.

In traditional financing, banks bundle and sell loans to free up capital for new loans. This process often involves manual data processing, complex structuring and multiple intermediaries. With the new platform:

• Loan details are recorded on Avalanche’s blockchain instant verification.
• Settlements are taking place programmatic to use stable coins such as USDC.
• Loans are tokenized as non-fungible tokens (NFTs) to ensure traceability and avoid duplicate commitments.

The result is one streamlined secondary market where community banks can participate in securitization without the need for specialized structuring expertise.

Modernizing asset-backed financing

FIS and Intain describe the Digital Liquidity Gateway as a modernization of asset-backed financing– the process by which banks convert loans into tradable securities.

How it works

• AI-driven automation replaces manual reconciliation and validates loan data before tokenization.
• Each loan is represented as an NFT on Avalanche, which includes verifiable data and ownership history.
• Using settlements stablecoins like USDCallowing near-instant payments and reducing counterparty risk.
• Integration with The core banking systems of FISused by more than 20,000 institutions worldwideenables a seamless connection between banks and the blockchain marketplace.

This approach increases trust between participants. “We automate manual processes and ensure transparency for all participants,” said SiddharthaCEO of Intain Markets.

Expanding access to capital for local banks

Regional and community banks are important lenders small businesses and local projectsYet they rarely have access to institutional financing channels. Digital Liquidity Gateway closes this gap by giving these banks:

• A transparent platform to connect directly with institutional investors.
• Automated onboarding and verification processes for faster due diligence.
• The ability to redeploy capital more efficient in new loans.

“By combining deep integration with FIS’s core banking systems, Avalanche’s blockchain-enabled transparency and Intain’s AI-driven automation, we are unlocking access to the capital markets for thousands of institutions,” said John Omahen, Head of Digital Assets at FIS. “This means more lending capacity for small businesses, more competitive lending products for consumers and a more resilient banking sector that can better serve Main Street America.”

According to Avalanche’s announcement, the platform is onboarding banks and investors across the countryof Hundreds of millions of dollars in loan transactions are expected by the end of the year. Early transactions between institutional partners have already led to smoother interactions and more reliable data exchanges.

Include initial asset pools commercial real estate And aviation financing loansboth sectors requiring verified asset-level data and consistent settlement tracking.

Technical infrastructure: built for compliance and scalability

The Digital Liquidity Gateway works on Intain’s Avalanche Layer 1 blockchainsupported by AvaCloud—Avalanche’s implementation framework for custom institutional networks.

This design makes the following possible:

• Purpose-built, compatible blockchain networks for financial institutions.
• Integration with existing FIS infrastructure for end-to-end connectivity.
• Auditability and data integrityessential for regulatory and institutional standards.

Avalanche’s architecture provides sub-second finality and deterministic settlement, both critical for tokenized assets and real-world asset (RWA) tokenization.

Asset managers and banks are increasingly placing loans, securities and funds on blockchain networks for more efficient tracking and trading.

While most RWA efforts have focused on large institutions, the Digital Liquidity Gateway focuses on the long tail of smaller banks that form the basis of local economies.

By tokenizing loans as NFTs, every asset gains one unique digital identity linked to immutable loan data. Traceability of the blockchain ensures this no double commitment or tampering with data, thereby improving investor confidence and regulatory oversight.

Strengthening local economies

According to Avalanche, the Digital Liquidity Gateway indirectly supports liquidity for smaller banks by improving it job creation, credit expansion and local development. The ability to release bank capital more efficiently leads to:

• More lending to small businesses
• Improved lending conditions for borrowers
• Greater stability for regional financial systems

Similar models have emerged worldwide. In October one Japanese IT company launched a tokenization platform for banksusing the AvaCloud infrastructureunderscoring how blockchain-enabled marketplaces are being adopted across multiple jurisdictions.

Conclusion

The Digital liquidity gateway represents a tangible shift in the way financial institutions use blockchain – not as speculation, but as infrastructure. Built on Avalanche and integrated with FIS banking systems, it creates a transparent, automated channel for securitization of loans and access to liquidity.

The platform brings small and medium-sized banks to blockchain-based capital markets and demonstrates how Avalanche can modernize asset-backed financing without compromising compliance or trust.

Sources:

1. Avalanche https://x.com/avax

2. Announcement – FIS and Intain choose Avalanche to strengthen the Digital Liquidity Gateway: https://www.avax.network/about/blog/fis-intain-avalanche-digital-liquidity-gateway

3. Intain, FIS introduces tokenized lending marketplace on Avalanche for small banks – report by CoinDesk: https://www.coindesk.com/business/2025/11/10/intain-fis-roll-out-tokenized-loan-marketplace-on-avalanche-for-small-banks

4. TIS deploys multi-token platform on AvaCloud to modernize Japan’s financial infrastructure: https://avacloud.io/blog/tis-deploys-multi-token-platform-on-avacloud-to-modernize-japan-s-financial-infrastructure