®netCash®INSCX® TORS-IGS + netCash®
A blueprint for modern institutional settlement
Instant T+0 Clearing. Absolute Compliance. Complete Sovereignty.
The INSCX® TORS-IGS architecture, based on the original Tolley/netCash system, is used by INSCX for the purposes of T+0 settlement as an SRO physical-delivery exchange for trade in polymers, base oils, compliant and validated engineered nanomaterials and speciality materials. While INSCX uses this system for member trade, we offer bespoke versions of this system under licence to provide central institutions and commercial banks with the foundational framework to operate a shared clearing-house mechanism. Under this system, participating banks can — individually or collectively — effectively own their own clearing house by licensing the underlying software platform to operate it.
The dual-layer approach
Powered by netCash®, a UK-vetted and proven 1:1 fiat-backed digital-currency system, the platform provides utility-cost, instant interbank clearing-house mechanics.
Grants individual member banks the right to deploy and own a proprietary clearing-house system, alongside a separate, customised consumer-facing retail application for each bank's own clients.
Why institutional leaders partner with INSCX®
Global Freedom to Operate (FTO)
Uniquely backed by foundational prior art (1999–2006, UK, Europe, USA, WIPO) and proven reduction to practice.
Regulatory Track Record
Built on an electronic cash standard that previously operated under UK FSA approval (2001–2011).
Ultra-Low Cost Overhead
Institutional transaction fees are capped at 0.0001%, reducing systemic clearing friction.
Enterprise-Grade Performance
Powered by a trademarked, non-blockchain SQL architecture that eliminates distributed ledger lag.
Hardened Security Posture
A non-API, non-Web3 framework that removes the attack surfaces inherent in decentralized protocols.
Instant T+0 Counterparty Resolution
Deploys Instant Gross Settlement (IGS) to erase settlement delays.
Direct Asset Security
Retains structural stability by anchoring all digital asset variants directly to a 1:1 fiat-backed architecture.
Sovereign System Licensing
Allows consortia of banks to retain full equity ownership of their clearing utility and the systems powering it.
Architectural overview
INSCX® TORS-IGS Platform
FTO Protected / FSA Proven
Trademarked SQL Database Infrastructure
Non-Blockchain · Non-API · Non-Web3
Bank-Owned Consortium
Joint Clearing House — 0.0001% clearing
Individual Member Banks
Sovereign Retail Tier — consumer versions
Comparing the standards
| Feature | Legacy / Web3 initiatives | INSCX® netCash® architecture |
|---|---|---|
| Settlement Horizon | T+1 constraints or slow ledger times | True T+0 immediate SQL resolution |
| Security Footprint | API vulnerabilities and Web3 exploit vectors | Zero-API, hardened structural isolation |
| Institutional Fees | Complex, multi-tiered schedules | Capped at 0.0001% |
| Consortium Structure | Owned by third-party legacy vendors | Owned by member banks via system licensing |
| Regulatory Validation | Evolving compliance landscapes | Rooted in FSA-vetted (2001–2011) architecture |
| Asset Security | Synthetic or complex tokenization | Direct 1:1 fiat-backed electronic cash |
Schedule a technical architecture review
Align your banking group with the baseline infrastructure for global digital clearing. Contact our regulatory and technical integration team to review our reduction-to-practice documentation.
Access is restricted to accredited members of the INSCX® exchange. Not an INSCX SRO member? Choose a membership.