Modern infrastructure for global capital markets.

DigitalBD is the operating company for the digital assets era — pairing artificial intelligence, blockchain, and regulator-grade compliance to give broker dealers, RIAs, and institutions a measurable operational edge.

Capability StatusMay 2026
  • 01 Fintech Infrastructure Live
  • 02 Artificial Intelligence Live
  • 03 Blockchain & Digital Assets Live
  • 04 KYC / AML / OFAC Live
  • 05 Domicile-Specific Rails Live
16:9 · Reel DigitalBD · Solving Wall Street
3,412
U.S. Broker Dealers
$23.4B
Tokenized RWA Market
25+
Years on Wall Street
100%
Compliance Coverage

Three disciplines.
One operating company.

DigitalBD integrates artificial intelligence, blockchain, and modern fintech infrastructure into a single, regulatory-compliant stack — delivered to the firms that move global markets.

— FINTECH
01 · Fintech Infrastructure

Modern rails for the securities industry.

DigitalBD licenses and integrates the modern stack across research, trading, corporate finance, and transfer agency — replacing legacy chokepoints with code.

ResearchTradingCorp. FinanceTransfer Agency
Read the thesis
— AI
02 · Artificial Intelligence

Algorithms that earn their license.

Continuous surveillance, adaptive portfolio strategy, and automated research — every model compliance-vetted before it executes. AI as expansion, not replacement.

SurveillanceResearchPortfolio AICompliance Co-Pilot
Read the thesis
01 a8f3 02 b2e9 03 c4d1 — BLOCKCHAIN
03 · Blockchain & Digital Assets

Trust collapsed into math.

Atomic settlement. Public audit. Domicile-aware rails. Every two-party transaction becomes verifiable, transferable, and final — in seconds, not days.

Asset DigitizationKYC / AMLOFACPublic Audit
Read the thesis

Building infrastructure
for the next era of finance.

The plumbing of global finance was poured in concrete sixty years ago. It is opaque, brittle, and expensive — to operate, to audit, and to trust. DigitalBD exists to replace it.

A market that prices in nanoseconds still settles in days.

DigitalBD is not another wrapper, dashboard, or consultancy. We are an operating company for the digital assets era — licensing the technology, holding the regulatory structure, and integrating both into the firms that will define the next twenty years.

Every link in the securities chain — banks, broker dealers, exchanges, market makers, transfer agents, clearing firms, custodians, RIAs — is a chokepoint we know how to fix. We have built relationships, infrastructure, and compliance coverage across all of them.

If your back office still reconciles by spreadsheet, we should talk.

Ralph Dillon, Founder & CEO Newport Beach · 2026

Every counterparty.
One operating company.

From the bulge bracket to the boutique RIA, the securities industry is a tangle of seats, licenses, and intermediaries. DigitalBD connects sixteen counterparty classes into one compliant rail.

An integrated map of the securities chain.

Broker dealers, banks, institutional desks, exchanges, alternative trading systems, market makers, transfer agents, clearing firms, custodians, registered advisors, analysts, accountants — each connected through a single API, governed by a single compliance frame, settled on a single rail.

Map your firm into the chain
16×
Counterparty Classes
120+
Integration Endpoints
9
Active Jurisdictions
24/7
Continuous Coverage
Counterparty Map
Fig. 03.1
DIGITAL BD 01BANKS 04EXCH 06MMs 08CLEAR 11RIAs 13ANLYST 15RETAIL 02B/Ds — PRIMARY MARKET — — SECONDARY MARKET —

A trillion-dollar
operating gap.

The cost of running yesterday's plumbing is a measurable, audited line item. We have the numbers, sourced from public filings and industry research.

Settlement Failure Risk
$900B
Annual exposure tied to failed or delayed settlements across global equities.
KYC / AML Industry Spend
$28B
Spent each year on compliance still done by hand.
Tokenized RWA Growth
14×
Projected on-chain RWA growth between 2026 and 2030.
Ops Spend, Top 10 Banks
42%
Of FTE allocated to reconciliation, audit, and disputes.
Average Trade Lifecycle
T+1
In a market that already prices in nanoseconds.
SEC Digital-Asset Actions
3.1×
Increase in enforcement actions since 2022.

Trust by handshake.
Or trust by math.

The difference between legacy and modern infrastructure is not a feature list — it is a different model of trust entirely.

Legacy Securities Stack

Trust = handshake
  • Counterparty riskTrust extended manually. Exposure compounds with every intermediary.
  • Paper-based ownershipDeeds, titles, certificates, book-entry receipts — hard to verify, easy to forge.
  • Reconciled by spreadsheetMulti-day settlement, multi-week audits, multi-million-dollar headcount.
  • Opaque audit trailReconstruction requires subpoena, time, and a forensic accountant.
  • Single-domicile logicCross-border trades fracture against incompatible legal frames.

DigitalBD Rail

Trust = math
  • Cryptographic settlementAtomic exchange between counterparties. No intermediary needed.
  • Digitized ownershipOn-chain tokens carry provenance, transfer, and rights — verifiable in public.
  • Automated reconciliationSettled in seconds. Audited continuously. Headcount redirected to alpha.
  • Public audit layerEvery event time-stamped, hash-linked, queryable on demand.
  • Domicile-aware railsRule sets encoded per jurisdiction, composing across borders by design.

Built by an operator
who lived the plumbing.

Twenty-five years on Wall Street. From PaineWebber to Salomon Smith Barney, from MetLife to TransAmerica — Ralph Dillon has worked at every layer of the securities chain DigitalBD is now rebuilding.

Ralph Dillon, Founder & CEO of DigitalBD
Ralph Dillon
Founder & CEO
"The plumbing of Wall Street is what we are rebuilding — and we know exactly where it is broken because we watched it break."

Ralph Dillon began his career on Wall Street at PaineWebber in New York. Twenty-five years later, he sits at the cutting edge of the most consequential change the markets have seen since electronic trading — and he is one of the few operators who has worked at every layer in between.

After PaineWebber, he moved west to Salomon Smith Barney, then on to senior leadership roles at Travelers, MetLife, The Hartford, and TransAmerica Capital — where he built ground-floor territories and grew AUM by over half a billion dollars through old-school blocking and tackling.

From 2012 to 2016 he worked on data, modeling, and analytics with major financial institutions, and joined a venture later acquired by Altria Group. Four years ago, he turned that experience toward digital assets — investing in blockchain, regulatory structure, and the talent to integrate both at scale.

  • PaineWebber, NYC '99
  • Salomon Smith Barney '02
  • Travelers · Reg. Director '05
  • MetLife · The Hartford '07
  • TransAmerica Capital '10
  • Modeling & Analytics '12–'16
  • Altria Group (via acq.) '16
  • DigitalBD, Founder '22–

Perspectives from
the desk.

Three questions worth answering on AI, blockchain, and the future of digital ownership — in plain language.

Artificial Intelligence

How does AI enhance a securities business without replacing judgment?

Automated surveillance, research, and trading provide continuous analysis of markets. ML algorithms learn in real time how to manage a portfolio according to a client's stated standards. AI does not replace human interaction or sophisticated analysis — it expands the scope of advisory and ensures every strategy is vetted before execution.

Read · 4 min Insight · 01
Blockchain

What are the top blockchain use cases in capital markets today?

Any time two or more counterparties transact, blockchain is the most transparent rail those entities can use. Legacy systems do not scale globally and require long-standing trusted relationships. Removing the risk of loss, fraud, and manipulation is one of the strongest reasons to adopt blockchain today — not tomorrow.

Read · 5 min Insight · 02
Digital Assets

What is a "digital asset" — and why does it matter to a brokerage?

Traditional assets carry legacy evidence of ownership: deeds, titles, certificates, book-entry receipts. They are hard to authenticate, transfer, or audit. Digital assets are the blockchain answer to ownership for any physical or digital property — verifiable in public, transferable in seconds, audited continuously.

Read · 6 min Insight · 03

Talk to the desk.

No deck. No demo. A conversation. One human reply within one business day.

Tell us what you're trying to fix — the workflow, the deal, the line item — and who you'd like to hear from. We do not run drip sequences, list rentals, or marketing automation.

Headquarters
Newport Beach, CA
United States
Direct Line
Desk Email
Hours
Mon–Fri · 03:00–17:00 PT
Sat–Sun · via email
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