Legacy cores were not built for a world of continuous settlement and programmable money. As payments accelerate toward real-time and financial products become logic-driven, banks face a fundamental question: can existing infrastructure evolve—or must it be replaced?

This session explores how leading institutions are rethinking ledger architecture to support T+0 settlement, 24/7 operations, and condition-based transactions. From tokenized deposits to modern core overlays, executives will examine what it takes to move from batch processing to intelligent, real-time financial systems—and where to start.

The future of payments will not be defined by a single network—but by the ability to move seamlessly across many. Banks must operate across RTP, cards, tokenized deposits, and multiple blockchain environments, all while maintaining compliance and control.

This fireside chat focuses on interoperability as the new competitive advantage. Learn how institutions are approaching cross-rail orchestration, integrating on-chain and off-chain systems, and positioning themselves as connectivity hubs in an increasingly fragmented ecosystem.

As money becomes programmable, trust is no longer enforced after the transaction—it is embedded within it. Identity, compliance, and risk management must evolve to operate in real time and, increasingly, autonomously.

This session examines how banks can extend their role as trusted intermediaries into on-chain environments. The discussion will focus on identity-linked payments, policy-driven transaction controls, smart contract risk, and the emerging role of banks as trust and compliance layers in programmable financial systems.