A method of performing a currency trade involving a math-based currency (“MBC”) for a customer having a MBC account with a financial institution is described. The financial institution receives a trade order and determines an optimal trade sequence that may involve more than one trade to achieve the initially requested currency trade. The financial institution updates account balances associated with the customer on an overlay ledger to reflect the currency trade. The overlay ledger includes information relating to account balances of a plurality of MBC accounts associated with a plurality of customers.