# System templates Source: https://docs.settlemint.com/docs/operators/asset-creation/system-templates Catalog of the 24 seeded system templates available in the DALP Asset Designer, grouped by asset class and mapped to the required token features each template attaches. DALP ships 24 system templates that the Asset Designer offers when an operator creates a new asset. Each template selects a base asset type, an asset class, a set of required token features, and a metadata schema for the fields the operator fills in. This catalog maps every system template to those choices so operators can pick the closest fit before opening the Asset Designer. Custom organisation-owned templates extend the catalog without changing the system templates. For the authoring path, see [Custom template authoring](/docs/operators/asset-creation/custom-template). For how features compose, see [Feature constraints](/docs/architects/components/token-features/feature-constraints). ## How to use the catalog [#how-to-use-the-catalog] The Asset Designer reads the selected template, combines required features with operator inputs from the wizard, and validates the combination against the [dependency and incompatibility rules](/docs/architects/components/token-features/feature-constraints) before deployment. Pick the template whose features and asset class match the instrument shape; do not override the required-feature list unless the asset deliberately diverges from the template intent. | Need to verify a feature behaviour? | Read | | ----------------------------------------------------------------------------- | --------------------------------------------------------------------------------------- | | What `historical-balances` records | [Historical balances](/docs/architects/components/token-features/historical-balances) | | How `maturity-redemption` runs | [Maturity redemption](/docs/architects/components/token-features/maturity-redemption) | | Where `fixed-treasury-yield` pays from | [Fixed treasury yield](/docs/architects/components/token-features/fixed-treasury-yield) | | How `aum-fee` accrues | [AUM fee](/docs/architects/components/token-features/aum-fee) | | Why `transaction-fee` and `transaction-fee-accounting` are mutually exclusive | [Feature constraints](/docs/architects/components/token-features/feature-constraints) | | How `conversion` and `conversion-minter` pair | [Conversion](/docs/architects/components/token-features/conversion) | ## Fixed income (asset class `fixed-income`) [#fixed-income-asset-class-fixed-income] Six templates targeting debt instruments backed by the `bond` base asset type. | Template ID | Display name | Required features | | ------------------------- | ---------------- | ----------------------------------------------------------------------------------------------------- | | `system-bond` | Corporate Bond | historical-balances, maturity-redemption, fixed-treasury-yield, permit | | `system-sovereign-bond` | Sovereign Bond | historical-balances, maturity-redemption, fixed-treasury-yield, permit | | `system-convertible-note` | Convertible Note | historical-balances, maturity-redemption, fixed-treasury-yield, conversion, conversion-minter, permit | | `system-syndicated-loan` | Syndicated Loan | historical-balances, maturity-redemption, fixed-treasury-yield, permit | | `system-treasury-bill` | Treasury Bill | historical-balances, maturity-redemption, permit | | `system-green-bond` | Green Bond | historical-balances, maturity-redemption, fixed-treasury-yield, permit | | `system-commercial-paper` | Commercial Paper | historical-balances, maturity-redemption, permit | Pick `system-treasury-bill` or `system-commercial-paper` when the instrument is a discount zero-coupon at issue and pays at maturity. Pick `system-convertible-note` when conversion to a target equity is in scope; the conversion-minter dependency is required for the conversion flow. Pick `system-syndicated-loan` for agent-bank-funded periodic yield against a facility id. Pick `system-green-bond` when use-of-proceeds reporting is part of the operating model. ## Equity (asset class `equity`) [#equity-asset-class-equity] Three templates targeting share-like instruments backed by the `equity` base asset type. | Template ID | Display name | Required features | | ------------------------------ | --------------------- | ----------------------------------------- | | `system-equity` | Common Equity | historical-balances, voting-power, permit | | `system-preferred-equity` | Preferred Equity | historical-balances, permit | | `system-employee-equity-award` | Employee Equity Award | historical-balances, voting-power, permit | `system-equity` covers voting common shares. `system-preferred-equity` drops voting-power because preferred classes are often non-voting; if the preferred class votes, override the required-feature list and document the decision in the template description. `system-employee-equity-award` adds voting-power because employee awards frequently carry voting once vested. ## Funds (asset class `funds`) [#funds-asset-class-funds] Four templates targeting pooled investment vehicles backed by the `fund` base asset type. See [Funds use case](/docs/business/use-cases/funds) for the operating model. | Template ID | Display name | Required features | | ---------------------------- | ------------------- | ------------------------------------------------------------------- | | `system-fund` | Mutual Fund | historical-balances, voting-power, aum-fee, transaction-fee, permit | | `system-etf` | ETF | historical-balances, aum-fee, transaction-fee-accounting, permit | | `system-money-market-fund` | Money Market Fund | historical-balances, fixed-treasury-yield, aum-fee, permit | | `system-private-equity-fund` | Private Equity Fund | historical-balances, voting-power, aum-fee, permit | `system-fund` collects an on-chain transaction fee against subscriptions and redemptions. `system-etf` switches to `transaction-fee-accounting`, which records the fee without collecting it on chain — operators or the administrator settle the accrued fees off-chain on the published schedule. `system-money-market-fund` adds fixed-treasury-yield because short-duration cash-equivalent funds typically distribute the treasury yield to holders. `system-private-equity-fund` keeps voting-power for limited-partner-style governance and drops transaction-fee because subscriptions are typically capital-call events scheduled outside the token transfer path. ## Cash and cash equivalents (asset class `cash`) [#cash-and-cash-equivalents-asset-class-cash] Three templates targeting bank-deposit and stable-value instruments. | Template ID | Display name | Base type | Required features | | ------------------------------- | ---------------------- | ---------- | ---------------------------------------------------------------------- | | `system-deposit` | Tokenized Bank Deposit | deposit | historical-balances, fixed-treasury-yield, permit | | `system-stablecoin` | Fiat-Backed Stablecoin | stablecoin | historical-balances, permit | | `system-certificate-of-deposit` | Certificate of Deposit | deposit | historical-balances, maturity-redemption, fixed-treasury-yield, permit | `system-stablecoin` is the minimal template — the operating model expects collateral attestation through compliance modules rather than a yield feature on the token. `system-deposit` adds fixed-treasury-yield for demand or term deposits that pay interest. `system-certificate-of-deposit` adds maturity-redemption for term-CD instruments that pay face at a defined date. ## Real assets (asset class `real-assets`) [#real-assets-asset-class-real-assets] Four templates targeting physically- or environmentally-backed tokens. | Template ID | Display name | Base type | Required features | | ----------------------- | ---------------------- | -------------- | -------------------------------------------------- | | `system-precious-metal` | Precious Metals | precious-metal | historical-balances, permit | | `system-real-estate` | Commercial Real Estate | real-estate | historical-balances, voting-power, aum-fee, permit | | `system-carbon-credit` | Carbon Credit | real-estate | historical-balances, conversion, conversion-minter | | `system-tokenized-art` | Tokenized Art | real-estate | historical-balances, voting-power, permit | `system-precious-metal` is minimal because the asset reads weight, purity, and custody facts from the metadata schema, not from token features. `system-real-estate` adds voting-power for fractional-ownership governance and aum-fee for property-management accrual. `system-carbon-credit` is conversion-based because retired credits convert into a target retirement token rather than redeeming through maturity. `system-tokenized-art` adds voting-power for fractional decisions about the underlying piece. ## Structured products (asset class `structured`) [#structured-products-asset-class-structured] Two templates targeting structured-note instruments backed by the `bond` base asset type. The third structured-shape template, `system-asset-backed-token`, also belongs here. | Template ID | Display name | Required features | | --------------------------------- | ------------------------ | ---------------------------------------------------------------------------------------------------------------------------- | | `system-principal-protected-note` | Principal-Protected Note | historical-balances, maturity-redemption, fixed-treasury-yield, permit | | `system-autocallable-note` | Autocallable Note | historical-balances, maturity-redemption, permit | | `system-asset-backed-token` | Asset-Backed Token | historical-balances, maturity-redemption, fixed-treasury-yield, transaction-fee-accounting, external-transaction-fee, permit | `system-principal-protected-note` pairs maturity-redemption with fixed-treasury-yield so principal returns at maturity with periodic accrual along the way. `system-autocallable-note` drops the yield feature because autocallable returns are payoff-shape-dependent rather than periodic; the operator records the payoff terms in the template metadata. `system-asset-backed-token` is the most feature-dense template — it composes treasury yield with fee accounting and an external transaction fee to model securitised pools where the fee is paid in a separate denomination asset. ## Choose between similar templates [#choose-between-similar-templates] | Question | Pick | | ------------------------------------------------------------------- | ---------------------------------------------------------------------------------------------------------------------------------------- | | Is this a debt instrument with a maturity date and periodic coupon? | One of the bond templates; choose by issuer type (`system-sovereign-bond`, `system-bond`, `system-syndicated-loan`, `system-green-bond`) | | Is the debt instrument a zero-coupon discount note? | `system-treasury-bill` (sovereign) or `system-commercial-paper` (corporate short-term) | | Should the instrument convert into equity? | `system-convertible-note` | | Are the shares ordinary voting common? | `system-equity` | | Are the shares non-voting preferred? | `system-preferred-equity` | | Is this an open-end NAV-priced fund? | `system-fund`, `system-etf`, or `system-money-market-fund` depending on fee mechanic and yield posture | | Is this a closed-end private fund? | `system-private-equity-fund` | | Is this a bank deposit instrument? | `system-deposit` (demand or term) or `system-certificate-of-deposit` (term CD) | | Is this a fiat-backed stable token? | `system-stablecoin` | | Is the backing physical? | `system-precious-metal`, `system-real-estate`, or `system-tokenized-art` | | Is this a structured payoff instrument? | `system-principal-protected-note`, `system-autocallable-note`, or `system-asset-backed-token` | ## When the catalog does not fit [#when-the-catalog-does-not-fit] If none of the system templates match the intended instrument, author a custom template instead of overriding the required-feature list on a system template. Custom templates preserve the system catalog as a stable reference and let your override carry an organisation-owned identifier the auditor can trace. See [Custom template authoring](/docs/operators/asset-creation/custom-template). ## Read next [#read-next] * [Custom template authoring](/docs/operators/asset-creation/custom-template) for the tutorial that walks an operator from blank to published custom template. * [Create asset](/docs/operators/asset-creation/create-asset) for the Asset Designer entry path that consumes a chosen template. * [Feature constraints](/docs/architects/components/token-features/feature-constraints) for the dependency, incompatibility, and order-of-application rules the Asset Designer enforces. * [Token features](/docs/architects/components/token-features) for the per-feature architecture references the catalog above links into.