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Adhara and ioBuilders: A New Era in Blockchain Technology for Finance

On July 8, 2025, a significant merger took place between Adhara and ioBuilders, marking the birth of a new powerhouse in the realm of blockchain-based software solutions tailored for financial institutions. The merged entity, headquartered in London, aims to redefine how financial services leverage blockchain technology to improve operational efficiency and enhance digital payment systems.

The Integration of Expertise

Adhara and ioBuilders, both pioneers in the blockchain space, have built a reputation for their innovative approaches to digital payments and settlement systems. Established in 2018, Adhara has been at the forefront of real-time digital payment systems globally, while ioBuilders has developed tokenized financial platforms for regulated institutions worldwide. Their combination is not merely a merger but a strategic alliance that promises to offer comprehensive solutions that cater to the evolving demands of the financial sector.

Together, they bring a skilled workforce of 120 employees spread across various regions, including the UK, South Africa, Spain, and Singapore, generating significant revenue in the double-digit millions per year. This financial strength positions them well to compete in a rapidly advancing technological landscape.

Service Offerings and Market Reach

The new company will provide an extensive range of offerings, including digital payment solutions, token-based lending, and securities services. Financial institutions are increasingly seeking to transition from pilot projects to full-scale production, and Adhara ioBuilders is poised to facilitate this shift efficiently.

The merger has already attracted attention from top-tier financial institutions such as Santander, Deutsche Bank, and UBS, showcasing its credibility and industry relevance. The company plans to leverage established platforms like DC Commander, DC Issuance, and Asseto Markets to support various applications, from deposit token issuance to tokenized loans, funds, bonds, and equities.

Technological Foundations and Frameworks

The duo's shared foundation in Distributed Ledger Technology (DLT) is particularly noteworthy. Focusing primarily on Ethereum-based platforms, they utilize technologies such as Ethereum, Hyperledger Besu, and Hedera Hashgraph. These have become advantageous tools for regulated systems designed to meet the stringent requirements of scalability, privacy, and interoperability that financial institutions demand today.

Moreover, as the software partner of Fnality – recognized as the first commercially used digital wholesale cash system – Adhara brings unmatched credibility to the merged entity. ioBuilders complements this by providing blockchain systems for settlements, payments, and fund distribution, making a perfect blend of services for their clients.

Leadership and Future Perspectives

At the helm of this newly formed company, Carlos Matilla, CEO of ioBuilders, will lead the charge while Peter Munnings takes on the role of Chief Operating Officer. Julio Faura, co-founder of Adhara, is set to become the Chairman. This leadership team is equipped with a wealth of expertise to steer the company through the evolving landscape of financial technology.

Julio Faura expressed his enthusiasm for the merger, stating, “This is a pivotal moment for the financial industry. The transition from proof-of-concept projects to full production signifies the maturity of digital payments and asset management.” The sentiment is backed by Carlos Matilla’s remarks about the powerhouse they are creating to serve the financial institutions of today and tomorrow.

Looking Ahead

The merger comes on the heels of Adhara's successful Series A funding round led by Yabeo and Force Over Mass Capital. With both parties recognizing the transformative potential of traditional finance (TradFi) via blockchain technology, they are well-positioned to capitalize on the emerging trends involving stablecoins, tokenized deposits, and cross-border payments. Joe Lubin, co-founder of Ethereum, expressed confidence that this union will propel both companies into the spotlight, enhancing the efficiency and productivity of their clients.

In conclusion, as Adhara and ioBuilders unite, they create not just a new business entity but a formidable force capable of revolutionizing blockchain applications in the financial sector. Their commitment to innovation and excellence sets them apart as leaders in this pivotal technology era.

This merger is pending regulatory approvals, but its potential is clear—the future of finance is here, and it is powered by blockchain.