Cosmos launched its Partner Network on September 9, 2026, bringing together 17 specialized firms to help banks shift tokenized deposits and related digital asset services from limited trials into operational use. The group spans custody, compliance, security, wallet infrastructure, blockchain operations and systems integration, with Cosmos supplying its Tokenization Suite and digital ledger technology.

The founding members are Anseta, Balance, BCW Group, BitGo, Blockchain.com, Blockdaemon, Coinbax, DFNS, Galaxy Digital, Hypernative, InfStones, OpenZeppelin, Peersyst Technology, Silence Laboratories, Ubyx, Utila and Zeeve. BitGo joins as the institutional custody and settlement provider, offering regulated custody, wallets, trading, financing, staking and stablecoin infrastructure. Galaxy Digital contributes trading, financing, asset management and tokenization capabilities, while Blockchain.com adds institutional over-the-counter trading, market-making and custody. Balance supplies custody, settlement, escrow and collateral management services.

Structure of the Partner Network

Cosmos positions the network as a qualified ecosystem rather than a single pre-integrated platform. Participating companies have tested their services against the Cosmos Tokenization Suite for functions including custody, wallet management, know-your-customer and know-your-business checks, compliance monitoring, core banking connections, node operations and ledger interoperability. Banks select providers according to their own regulatory requirements, existing technology and vendor relationships, then negotiate separate contracts.

Accountability remains with the contracting parties. Cosmos is responsible for its ledger and tokenization technology under its agreement with a bank. Each partner remains responsible for the specific service it delivers. Compliance decisions and regulatory liability stay with the financial institution. Banks seeking a single primary contractor can appoint a systems integrator from the network, with other providers acting as subcontractors.

Focus on Tokenized Deposits

The primary use case is tokenized deposits, which represent commercial bank money on a programmable ledger and remain a liability of the issuing bank. This structure differs from many stablecoins that constitute claims against a separate non-bank issuer. Cosmos states that its Tokenization Suite supports continuous payment settlement, treasury management, programmable escrow, trade finance and payments initiated by software agents.

Supporting services address institutional requirements beyond issuance. Coinbax provides transaction-level screening, payment reversibility and programmable escrow controls. Ubyx connects issuers with banks and fintech firms to enable conversion of tokenized money into fiat equivalents. Hypernative delivers real-time monitoring, fraud prevention and automated incident response. OpenZeppelin supplies smart-contract design, auditing and continuous security services. Blockdaemon and InfStones contribute nodes, application programming interfaces and staking infrastructure. Wallet specialists include DFNS for organizational asset governance, Utila for multiparty computation wallets and policy controls, and Silence Laboratories for on-premises and quantum-secure custody technology.

Wells Fargo Implementation and Interoperability Plans

The network’s first named production test involves Wells Fargo. The U.S. bank is using Cosmos digital ledger technology to tokenize customer deposits, with an initial cross-border use case scheduled for fall 2026. Expansion across additional clients, countries, currencies and applications is planned through 2027.

To address connectivity among separate bank ledgers, Cosmos relies on the Inter-Blockchain Communication protocol. The open standard enables direct asset transfers between digital ledgers without a central intermediary and has operated in production for more than five years. Supported systems include Cosmos-based networks, Besu chains, Ethereum and Solana, with additional networks expected later in 2026.

Cosmos reports that its technology underpins more than 150 blockchains securing over $70 billion in assets. The company has not disclosed fees for network participation, technical certification requirements, revenue-sharing arrangements or the current integration status of individual partners. Membership may include introductions to institutions operating on public and private Cosmos networks, but does not guarantee contracts or live deployments.

Cosmos intends to evaluate the network by tracking the time from signed agreement to live transaction, the number of institutional users in production and transaction volumes. No numerical targets or publication dates for those metrics have been provided.