A new collaboration between Intain Markets and FIS is set to reshape how regional and community banks in the United States access institutional liquidity. The two companies have introduced the Digital Liquidity Gateway, a blockchain-based marketplace built on Avalanche, designed to streamline lending and securitization while expanding capital access for smaller financial institutions.
Empowering regional and community banks
The Digital Liquidity Gateway brings advanced financial capabilities—once limited to large institutions—to approximately 2,000 regional and community banks across the country. These banks, which play a critical role in supporting small businesses and local real estate projects, often face significant barriers when seeking capital from institutional investors. The new platform aims to address this limitation by enabling banks to directly connect with a broader network of investors through a secure, automated, and transparent digital system.
Through integration with FIS’ core banking technology and the use of artificial intelligence for workflow automation, the platform simplifies complex lending and securitization processes. By digitizing these traditionally manual operations, the system allows banks to manage loan pools more efficiently and sell them to investors faster—freeing up capital for new lending opportunities.
Blockchain infrastructure drives automation
The Digital Liquidity Gateway utilizes Intain’s Avalanche Layer-1 blockchain, which supports instant data verification and programmatic settlements. This setup removes many of the bottlenecks that slow traditional transactions, providing near-instant updates and ensuring data integrity across participants. According to project partners, the platform has already begun onboarding both banks and institutional investors and is expected to process hundreds of millions of dollars in transactions before the end of the year.
By creating a transparent marketplace for trading loan portfolios, the system enhances confidence among investors while allowing banks to redeploy funds into their local economies more effectively. Early pilot transactions have demonstrated the platform’s ability to facilitate faster, more efficient, and fully auditable interactions between financial institutions.
Unlocking institutional liquidity with Avalanche
Executives at FIS described the initiative as a major leap toward unlocking capital markets for thousands of smaller banks, giving them the same technological advantages enjoyed by larger institutions. This improved access to liquidity is expected to increase lending capacity, allowing banks to offer more competitive rates and expand credit to underserved regions.
The Avalanche Foundation welcomes the launch of the 'Digital Liquidity Gateway' by FIS and Intain Markets on Avalanche.
A tokenized loan marketplace for small banks, integrated with FIS’s network of more than 20,000 financial institutions.
Avalanche continues to establish… pic.twitter.com/Rx44VHes1b
— Avalanche Foundation 🔺 (@AvalancheFDN) November 11, 2025
The partnership also demonstrates Avalanche’s growing influence in the modernization of financial infrastructure. Intain’s implementation of the Avalanche Layer-1 network, supported by AvaCloud, highlights how blockchain technology can power compliant, purpose-built networks that serve real-world financial needs. The platform is engineered to support secure, transparent, and auditable transactions—key attributes for regulated institutions operating in today’s financial ecosystem.
Intain and @FIS are rolling out a blockchain-based loan financing marketplace on @avax – purpose-built to modernize asset-backed finance with secure, compliant, and scalable on-chain infrastructure@SidIntain1 @MorganKrupetskyhttps://t.co/O78e38xuoB
— Intain (@intainft) November 11, 2025
Redefining capital access and financial inclusion
Industry leaders have emphasized that improving liquidity access for smaller banks has far-reaching implications. By lowering barriers to institutional funding, the Digital Liquidity Gateway could help expand lending to small businesses, increase homeownership, and strengthen regional economies. The ability to automate settlement and verification processes also reduces operational risks and enhances efficiency in asset transfers.
The initiative marks another milestone in blockchain’s transition from concept to infrastructure. The collaboration among Intain, FIS, and Avalanche illustrates how decentralized technology can be applied to real-world financial operations. By offering a scalable and compliant framework, Avalanche’s architecture provides a foundation for the next generation of digital financial systems.
As financial institutions continue to digitize their lending, settlement, and payment processes, blockchain-powered solutions like the Digital Liquidity Gateway are poised to redefine how liquidity flows across the financial landscape. The project underscores how advanced technologies are not only improving operational efficiency but also driving greater inclusion and resilience within the US banking sector.
