Money with a purpose.
Conditions you control.

Money with a purpose. Conditions you control.

Bring existing assets onchain to improve capital efficiency,
and program how they can be used.

Bring existing assets onchain to improve capital efficiency, and program how they can be used.

Bring existing assets onchain to improve capital efficiency, a
nd program how they can be used.

The Missing Middle

Between closed-loop currency and unrestricted payments

Broad acceptance can weaken policy intent; tight controls can limit usage and growth. Partner Asset PBM programs when, where, by whom, and for what money can be used—without restricting the underlying currency itself.

Broad acceptance can weaken policy intent; tight controls can limit usage and growth. Partner Asset PBM programs when, where, by whom, and for what money can be used—without restricting the underlying currency itself.

Purposeful, but closed

Local Currencies · Gift Certificates

  • Clear Purpose

  • Limited Acceptance & Scalability

  • Manual Settlement

Programmable conditions between the two

PBM · Purpose-Bound Money

Purpose Bound Money

Purpose & Conditions Preserved

Multiple Underlying Assets & Channels

Automated Settlement

Programmable conditions between the two

PBM · Purpose-Bound Money

Purpose Bound Money

Purpose & Conditions Preserved

Multiple Underlying Assets & Channels

Automated Settlement

Reach without conditions

Conventional Payment Methods

  • Broad Acceptance

  • Limited Control over Spending Purpose

  • No Built-In Purpose

What Becomes Programmable

A wrapper that defines how money can be used

A wrapper that defines
how money can be used

Who · Where · When · What

Usage Conditions

Define eligibility, geography, timing, merchants, purchase categories, and limits through policies.

Define eligibility, geography, timing, merchants, purchase categories, and limits through policies.

Issue · Transfer · Expire

Asset Lifecycle

Apply consistent rules to issuance, holding, transfer, use, expiry, and recovery.

Apply consistent rules to issuance, holding, transfer, use, expiry, and recovery.

Verify · Use · Settle

Service Integration

Verify conditions through DID and oracles, then connect usage outcomes to settlement for each participant.

Verify conditions through DID and oracles, then connect usage outcomes to settlement for each participant.

What You Can Build

Turn your objectives
into programmable finance.

01

01

Public

Led by Public Institutions

Apply eligibility, permitted-use, and validity rules to public benefits and program budgets, with records to verify how funds are used.

Eligibility Verification (DID)

Merchant & Time Restrictions

Disbursement Audit

02

02

Payment

Conditional Billing

Define payment conditions—such as first-purchase or repeat-visit discounts—as rules at issuance.

Conditional Issuance

Online & In-Store Use

Atomic Settlement

03

03

Membership

Small Business Memberships

Turning closed-loop loyalty points, such as those of Korea’s Baeknyeon Store Association, into onchain assets opens up exchange and partnership opportunities.

Onchain Loyalty Points

Merchant Expansion

Partner Exchange

04

04

Bank

Deposit Token Settlement

Add programmable conditions to the stability of bank deposits for corporate settlement and retail payments.

Deposit Tokens

Condition Validation

Bank Settlement

Open PBM Infrastructure

Keep the asset.
Add the conditions.

Program when, where, and by whom existing deposits, gift certificates, and stablecoins can be used. Connect issuers, payment providers, and channels as needed.

Program when, where, and by whom existing deposits, gift certificates, and stablecoins can be used. Connect issuers, payment providers, and channels as needed.

Access Layer

Customer Channels

Apps · POS · Wallets

Service Layer

Services Governed by Policy

Benefits · Payments · Settlement

Platform Layer — Orchestrator

Core Execution of Conditions & Workflows

— Partner Asset

PBM Issuance · Policies · Condition Validation

Asset Layer

Underlying Stores of Value

Deposits · Gift Certificates · Digital Assets

PBM Lifecycle

Step 01

Usage Conditions

Define the purpose and conditions, then wrap the underlying asset for issuance.

Define the purpose and conditions, then wrap the underlying asset for issuance.

Step 02

Asset Lifecycle

Assets can be used only after eligibility and permitted uses are verified.

Assets can be used only after eligibility and permitted uses are verified.

Step 03

Service Integration

Settle each participant’s share in one coordinated process and retain a record of execution.

Settle each participant’s share in one coordinated process and retain a record of execution.

Who Issues It

Different issuers.
Different operating models.

Institutions and enterprises issue the assets. Partner Hub validates conditions and completes settlement.

Case 01

Case 01

Public-Sector Issuance

Local and central government bodies issue welfare and policy funds with purpose-bound conditions.

SOOHO.IO’s Role

Issuance · Policy Engine · Oracles · DID

Underlying Assets

Budgets · Vouchers

Condition Validation

Eligibility · Spending Categories · Merchants

Case 02

Case 02

Financial Institution Issuance

Banks issue deposit tokens with purpose-bound conditions.

SOOHO.IO’s Role

Conditional Payment Rails · Cross-Layer Settlement

Underlying Assets

Deposit Tokens

Condition Validation

Permitted Uses · Settlement Rules

Case 03

Case 03

Enterprise Issuance

Enterprises issue loyalty points, gift certificates, and memberships as onchain assets.

SOOHO.IO’s Role

API · SDK · Issuance Console

Underlying Assets

Points · Vouchers

Condition Validation

Validity · Purchase Categories · Limits

Shared Principle

Institutions and enterprises remain the issuers in every model. SOOHO.IO does not issue money; it validates conditions and completes settlement.

The Orchestrator

Validate the conditions. Complete the settlement.

Validate the conditions.
Complete the settlement.

PBM depends on coordinating execution, not just issuance. Verify that conditions are met and settle all participants’ shares in a single transaction.

PBM depends on coordinating execution, not just issuance. Verify that conditions are met and settle all participants’ shares in a single transaction.

Oracle-Based Condition Validation

Oracle-Based Condition Validation

Verify benefits data and eligibility conditions in real time.

DID Identity & Eligibility Verification

DID Identity & Eligibility Verification

Verify recipient and merchant eligibility onchain.

Cross-Layer Atomic Settlement

Cross-Layer Atomic Settlement

Complete payment and settlement across layers in a single transaction.

Proof In Context

PBM in practice,
from public services to banking

PBM in practice, from public services to banking

Our products draw on Bank of Korea live pilots, global settlement networks, and experience operating assets at scale.

Project Hangang · Bank of Korea

An end-to-end digital voucher platform.

88,000 users · Approx. KRW 700M in transactions · 7 commercial banks

On the Korea Financial Telecommunications & Clearings Institute’s digital voucher platform, we validated deposit token and purpose-bound voucher issuance, use, and settlement across users, merchants, and banks.

On the Korea Financial Telecommunications & Clearings Institute’s digital voucher platform, we validated deposit token and purpose-bound voucher issuance, use, and settlement across users, merchants, and banks.

Project NAMSAN · TikoPay

Operating onchain KRW
payment and settlement rails.

Identity Verification → Assets & FX → In-Store Payment → KRW Settlement

As part of Phase 1 of Project Namsan, a KRW stablecoin ecosystem initiative, we launched and operate TikoPay, a wallet-to-wallet payment app for international visitors.

As part of Phase 1 of Project Namsan, a KRW stablecoin ecosystem initiative, we launched and operate TikoPay, a wallet-to-wallet payment app for international visitors.

K-BTF · Public Benefits · In Preparation

Keeping welfare spending aligned with its purpose.
Keeping welfare spending
aligned with its purpose.

Eligibility Verification → Conditional Issuance → Authorized Use → Audit

Public-sector PBM infrastructure for issuing, using, and settling welfare and voucher funds according to their intended purpose.

Public-sector PBM infrastructure for issuing, using, and settling welfare and voucher funds according to their intended purpose.

Public-sector PBM infrastructure for issuing, using, and settling welfare and voucher funds according to their intended purpose.

Why SOOHO.IO

Expertise in coordinating programmable payment rails

Expertise in coordinating programmable payment rails

PBM depends on coordinating execution beyond issuance. SOOHO.IO brings proven security expertise and infrastructure delivery experience.

PBM depends on coordinating execution beyond issuance. SOOHO.IO brings proven security expertise and infrastructure delivery experience.

01

01

Security DNA

Leading Security Expertise

We draw on our experience as a leading Korean smart contract security specialist to validate infrastructure around the clock.

01

Security DNA

Leading Security Expertise

We draw on our experience as a leading Korean smart contract security specialist to validate infrastructure around the clock.

02

02

Enterprise Experience

Extensive Institutional Experience

Hands-on pilot experience coordinating projects with KOMSCO, banks, and government institutions.

02

Enterprise Experience

Extensive Institutional Experience

Hands-on pilot experience coordinating projects with KOMSCO, banks, and government institutions.

03

03

Bridging Innovation

Digital Asset Infrastructure Experience

We connect public services, payments, small businesses, and banks through shared conditional payment rails.

Start With SOOHO.IO

Build digital financial services quickly and securely with Partner Hub.

Talk to Our Team

Start With SOOHO.IO

Build digital financial services quickly and securely with Partner Hub.

Talk to Our Team

Start With SOOHO.IO

Build digital financial services quickly and securely with Partner Hub.

Talk to Our Team