Global corporates and fintechs are shifting to programmable, instant, cross-border payments. Banks without on-chain rails will be bypassed, so they must rapidly develop the ability to send, receive, settle and reconcile payments on-chain. The new economics of real-time global payments are forming now. Banks must shift from experiments to corporate treasury tokenized money movement, including smart-contract settlement for trade, FX, and liquidity management; merchant and cross-border on-chain payment services; and embedded finance rails for fintechs using tokenized funds.

Early bank movers can set the standards—and capture the money flows. Panelists will provide in-depth insight into:

• Building tokenized deposit rails
• Standing up smart-contract–enabled settlement workflows
• Integrating with emerging CBDC, stablecoin and tokenized payment networks.

Customers don’t care about rails—they care about speed, cost, and certainty. Banks must remove complexity or lose volume. The urgency is to create seamless user and client experiences that bridge FedNow, RTP, tokenized deposits, stablecoins and CBDCs. This one-on-one discussion will focus on how banks can approach:

• Building orchestration layers
• Harmonizing messaging (ISO 20022-compatible smart contracts)
• Providing unified dashboards and treasury automation

Institutional adoption of on-chain payments will accelerate when banks provide trusted, compliant pathways. This is their competitive strength: Banks must apply their risk, compliance, fraud, and identity verification capabilities to make on-chain payments enterprise-grade. Panelists will share their expertise on:

• How to develop on-chain AML/KYC patterns
• Establishing fraud orchestration frameworks for tokenized money
• Building secure custody and key management
• Integrating blockchain analytics into core risk engines