# About DCM

DCM is a software company that builds blockchain banking infrastructure for regulated financial institutions. The platform enables banks to add tokenized operation and stablecoin payment capabilities to any existing core banking system — without rewrites, migrations, or compliance risk.

DCM is delivered as SaaS and white-label. Banks and financial institutions integrate via API and can build their own payment networks and branded solutions on top of the platform. DCM does not operate as a financial institution, payment service provider, or intermediary — all regulated activities are carried out by the institutions that integrate the platform.

#### Products

DCM offers two products:

| Side-Core                                                                                                                                                                                                                          | Payment Messages                                                                                                                                                                                                       |
| ---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | ---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| A blockchain integration layer that gives the bank direct API control over tokenized operations on blockchain. The bank controls every operation explicitly — account provisioning, token issuance, transfers, and reconciliation. | A platform for programmable A2A payment scenarios — commerce (P2B), P2P, and interbank A2A. Blockchain operations are handled automatically at the platform level; banks interact through the payment messaging layer. |

#### Deployment model

DCM integrates alongside existing core banking systems — no core replacement required. The integration layer connects the bank's core systems to blockchain rails through a Universal Connector Bridge and Universal APIs. Banks retain full control over their operations and customer data.

Deployment options include SaaS (hosted by DCM) and white-label (hosted by the institution or under a custom brand). Both products use the Stellar public blockchain as the settlement layer, which provides public auditability of token transactions.

{% hint style="info" %}
In this documentation, references to the 'connected banks' or 'network' describe the set of institutions connected through the DCM platform. Because DCM is white-label capable, connected institutions may operate under different network names. All blockchain references point to the Stellar public network.
{% endhint %}

#### How this documentation is organised

This library covers both products in a single unified structure:

* **Section 1 — Security & API fundamentals**: Shared pages covering JWT authentication, key generation, data encryption, and retry policy. Referenced by both products.
* **Section 2 — Side-Core**: Full API reference for the bank-integration product.
* **Section 3 — Payment Messages**: Full reference for bank and merchant integration with the dcm-platform product.
* **Section 4 — Merchant integration**: Merchant-specific pages from the dcm-platform Gitbook.
* **Section 5 — Reference**: Complete API index and unified glossary covering all terms across both products.