The global financial landscape is undergoing a transformative shift with the rapid evolution of digital currencies and stablecoins. As central banks and financial institutions worldwide accelerate their digital currency initiatives, companies at the forefront of fintech innovation are playing a pivotal role in shaping this new era. Among them, KeLan Software has emerged as a key enabler, building robust technological infrastructure to support the next generation of digital finance.
With early strategic foresight, KeLan Software began investing in digital currency technologies as early as 2019—well ahead of mainstream adoption. Today, the company stands out with a comprehensive suite of solutions designed for central bank digital currencies (CBDCs), particularly China’s digital RMB, as well as broader stablecoin ecosystems. Its offerings span from core system architecture to customer-facing innovations, making it a critical partner for financial institutions navigating the digital transition.
End-to-End Digital Currency Solutions
KeLan Software's strength lies in its full-stack approach to digital finance. The company developed a next-generation digital payment system that supports the entire lifecycle of digital currency operations—from issuance and distribution to transaction processing and reconciliation.
At the heart of this ecosystem is KeLan’s digital wallet platform, which serves as a one-stop solution for financial institutions operating within the 2.5-tier banking model. This architecture allows non-direct participants in the central bank’s digital currency network—such as regional banks and credit unions—to seamlessly integrate with the national infrastructure.
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The digital wallet system supports multi-currency storage, including various forms of digital RMB and potential stablecoin integrations. It also enables smart contract functionality, allowing programmable money use cases such as conditional payments, automated settlements, and time-locked transactions—features essential for future financial innovation.
Robust Technology Architecture and Integration Capabilities
Behind KeLan Software’s scalable solutions is a powerful technical foundation. Built on the mature PE10 platform, the company’s systems combine modular design principles with advanced abstraction techniques. This internal abstraction and external decoupling strategy reduces dependency on specific vendors or protocols, ensuring high flexibility and interoperability.
This architecture allows seamless integration with multiple channels, including mobile banking apps, online portals, ATMs, and third-party payment platforms. Its multi-channel expansion capability ensures that banks can deploy digital currency services across diverse touchpoints without overhauling existing IT infrastructure.
Moreover, the platform interfaces directly with central bank-operated clearing and settlement networks, as well as interbank switching organizations. This end-to-end connectivity enables real-time transaction processing, enhanced security, and regulatory compliance—all critical for large-scale digital currency deployment.
Innovative Products Enhancing User Experience
Beyond backend systems, KeLan Software has pioneered front-end innovations that bridge traditional banking with digital finance. One standout product is "Xiao Lan," an intelligent high-counter digital currency robot designed to automate complex teller services.
Equipped with digital RMB exchange capabilities, Xiao Lan can issue both soft and hard digital wallets, process large cash deposits and withdrawals, and provide smart audiovisual assistance. It also incorporates intelligent security monitoring, reducing operational risks in physical branches. Notably, the robot has received official certification for cash-handling accuracy, validating its reliability in real-world banking environments.
In parallel, KeLan has developed virtual digital human products tailored for customer service, marketing, and financial advisory roles. These AI-powered avatars enhance user engagement across digital channels, offering personalized interactions in retail banking, wealth management, and government service portals.
Another major milestone is the development of SUNDB, a fully self-researched Chinese-branded database. With 100% original codebase, SUNDB delivers high performance, data integrity, and resistance to external cyber threats—making it ideal for mission-critical financial applications. Its successful deployment across multiple financial institutions underscores KeLan’s commitment to technological sovereignty and long-term system resilience.
Expanding Real-World Applications Across Sectors
KeLan Software isn’t just building technology—it’s driving practical adoption. The company’s RMB currency bridge engine enables instant conversion between digital RMB and traditional bank accounts. By abstracting differences among various operating institutions and transaction types, the engine accelerates the development of new use cases across government (ToG), business (ToB), and consumer (ToC) sectors.
This agile framework has already been deployed in numerous commercial banks, supporting nearly ten major categories of applications—from public transportation payments and tax filings to cross-border trade settlements and social welfare disbursements. With near-zero-code deployment capabilities, KeLan significantly shortens implementation timelines, helping clients achieve faster time-to-market.
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These innovations align closely with national priorities around financial inclusion, efficiency, and digital governance. As more cities adopt smart city initiatives integrated with digital currency infrastructure, KeLan’s role becomes increasingly strategic.
Frequently Asked Questions (FAQ)
Q: What is the significance of KeLan Software’s involvement in digital RMB?
A: KeLan was among the first companies to enter the digital RMB space in 2019. Its early mover advantage has allowed it to develop mature, field-tested solutions now used by multiple financial institutions—positioning it as a trusted technology partner in China’s CBDC rollout.
Q: Can KeLan’s systems support private-sector stablecoins?
A: While currently focused on central bank digital currencies, KeLan’s platform architecture—especially its support for smart contracts and multi-currency wallets—provides a strong foundation for future integration with regulated stablecoins.
Q: How does KeLan ensure data security in its digital currency systems?
A: Through its proprietary SUNDB database and modular system design, KeLan minimizes external dependencies and enhances control over data flow. Combined with encryption protocols and compliance with national financial standards, this ensures robust protection against cyber threats.
Q: Is KeLan only active in China?
A: While its primary market is domestic, the company’s work on cross-border settlement engines and interoperable platforms suggests potential for international expansion as global CBDC cooperation grows.
Q: What makes KeLan different from other fintech providers?
A: Unlike many firms that focus on isolated components, KeLan offers an integrated stack—from core banking systems to AI-driven customer interfaces—enabling end-to-end digital currency readiness for financial institutions.
The Road Ahead
As digital currencies evolve from pilot projects into mainstream financial tools, companies like KeLan Software will continue to play a foundational role. With deep technical expertise, innovative product development, and proven deployment experience, KeLan is well-positioned to support not only China’s digital RMB ambitions but also broader global trends toward programmable money and decentralized finance.
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By combining regulatory alignment with technological agility, KeLan exemplifies how enterprise software providers can drive meaningful innovation in one of the most dynamic sectors of modern finance.
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