nostro/vostro account management, treasury operations, fund segregation, and real-time T-zero settlement. The ledger supports subledger-as-a-service deployments, enabling banks and enterprise clients to offload their internal accounting infrastructure onto Depa's rails. On top of this foundation, Depa exposes a unified API layer for IBAN issuance, multi-currency payments, card acquiring, and stablecoin settlement — allowing clients to operate fiat and stablecoin workflows within a single integration. The platform is built for white-label deployment and can be embedded directly into third-party financial products.