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Adhara

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Adhara is a software company that builds advanced liquidity management, Fx and payments solutions for banks, central banks and consortiums of banks within the financial industry (e.g. Fnality). Adhara's solutions are based on the concept of tokenization of money and CBDCs, leveraging smart contracts over standard, financial-grade blockchain.
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What is Adhara?
Adhara is a blockchain-based software provider specializing in real-time digital cash and settlement systems for financial institutions. Established in 2018, Adhara focuses on enhancing liquidity management and international payments through decentralized financial networks.
How Does Adhara Work?
Adhara utilizes enterprise-grade Distributed Ledger Technology (DLT), including platforms like Ethereum, Hyperledger Besu, and Hedera Hashgraph, to offer real-time, multi-currency liquidity management and international payment solutions. These technologies enable financial institutions to conduct transactions with increased efficiency, security, and transparency.
What Makes Adhara Unique?
Adhara stands out by providing a comprehensive suite of products, such as DC Commander, DC Issuance, and Asseto Markets, which support use cases from deposit token and stablecoin issuance to tokenized loans, funds, bonds, and equities. Their collaboration with leading global financial institutions and market infrastructures underscores their commitment to delivering production-ready blockchain solutions.
Who Are the Founders of Adhara?
Adhara was co-founded by Julio Faura and Peter Munnings. Julio Faura, who serves as the Chairman, has a background in banking and blockchain technology. Peter Munnings, the Chief Operating Officer, brings expertise in financial services and distributed ledger technologies.

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What Key Events Have There Been for Adhara?
In July 2025, Adhara merged with ioBuilders to form a leading independent provider of blockchain-based software products and services for financial institutions. This merger expanded their global presence and product offerings, enhancing their ability to support financial institutions in transitioning from proof-of-concept to production.
Project Announcements
Adhara has been involved in several significant projects, including serving as the software partner for Fnality, the first wholesale digital cash system in commercial use. They have also delivered blockchain-based systems for settlement, payments, and fund distribution, collaborating with major financial institutions like Santander, BBVA, Deutsche Bank, and UBS.

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