Exploring the concept of "Vertical Banking" reveals its potential to create specialized digital experiences for niche audiences within existing bank portfolios.

For those familiar with both Web2 and Web3, recognising the patterns in banking concepts across these environments is crucial. We don’t need to establish new financial institutions to leverage the benefits of Web3; instead, we can assist existing ones in navigating this evolving landscape.

Compliance must align with User Experience, ensuring that controls are seamlessly integrated.

Consider for example (i) the importance of running sanctions checks that refresh with each list update before processing transactions or (ii) the Verification-of-payee and name-matching, along with enforcing amount caps by corridor and counterparty. These are essential components.

New world - old concepts. Better way of doing things.

By the way, the "old" industry is playing catchup:

1. As of October 9, 2025, euro-area Payment Service Providers (PSPs) is required to send instant payments and implement Verification of Payee, enhancing pre-execution controls.

2. Additionally, richer ISO 20022 data will be mandatory for cross-border financial institution-to-financial institution payments after November 22, 2025, allowing for deterministic IDs in remittance fields to streamline reconciliation.

3. In the US, higher-value instant payouts are on the horizon, with RTP set at $10 million since February 9, 2025, and FedNow’s network limit increasing to $10 million starting November 12, 2025.

Bottomline: At the end of the day, customers couldn't care less about the underlying plumbing as long as it provides the Service they need. Customers prioritize the timely and accurate arrival of their funds over demos and buzzwords.

"Solana or SWIFT, I don't care - Just have my money arrive on the other side of the world as if I was sending a message on whastapp, with the same level of assurance nothing goes wrong, of course"

Fast, Free and Secure. The caveat : There are no free lunches.

The key performance indicator is fewer exceptions and faster fund transfers, all while ensuring banks maintain profitability.

Let’s collaborate and make sure we use the best of both worlds in favour of practical use cases such as claim settlements, supplier payouts, payroll, and marketplace disbursements, where everyone gains due to the use of good technology.

2025 marks the year stablecoins and tokenized deposits move from pilots to policy in the United States.

With the GENIUS Act introducing the first federal framework for payment stablecoins—setting clear expectations for reserves, audits, and compliance—and the FDIC preparing guidance on tokenized deposits and bank-issued stablecoins, the conversation among U.S. bank leaders has shifted from if to how.

Major institutions are now issuing USD deposit tokens on public Layer 2 networks, driving demand for 24/7 settlement and programmable money in institutional finance. The message across every tier of the banking system is the same: banks need practical, compliant infrastructure—not proofs of concept.

At LedgerLink, our platform was purpose-built for this new era, built around three core pillars:

➡️ RAILS: Enterprise-grade tokenization and settlement infrastructure within permissioned environments, enabling banks to issue and manage payment stablecoins and tokenized deposits.

➡️ LINK: Compliance, orchestration, and integration tools that help banks operationalize regimes like the GENIUS Act and upcoming FDIC tokenized-deposit guidance—with full audit trails, AML/KYC integration, and granular policy controls across wallets, entities, and networks.

➡️ ENGINE: AI-powered liquidity and risk analytics across fiat, stablecoins, and tokenized deposits, giving treasury, risk, and finance teams a unified view of intraday positions, stress scenarios, and funding impacts.

Together, these layers create a robust foundation for operating safely and efficiently across fiat and blockchain networks—turning evolving regulation into bank-grade, governed infrastructure.

Let’s discuss how your institution can take the next step.

Some banking customers see stablecoins as competition to banks. Others see tokenized deposits as the next chapter of banking. We at LedgerLink see a world where these new instruments co-exist with old ones and both are opening new opportunities.

The signals are clear: UK Finance has launched live pilots of tokenized sterling deposits with major banks, and the BIS’s 2025 blueprint favors tokenized commercial bank money as the safer path for interoperability. In the U.S., Congress is quickly defining the guidelines - the momentum is real.

We at LedgerLink envision tokenized deposits as a future instrument that keeps deposit insurance, plugs into lending and keeps liquidity inside the regulated system while delivering real-time settlement. Best of both worlds. The concept is quite appealing and LedgerLink is already taking steps in this direction to make sure our bank customers can benefit from them.

The opportunity is to define and embrace new standards. LedgerLink gives banks that path—secure, interoperable, compliant.

Last week our team left the ABA Annual Convention with a clear takeaway: digital asset adoption in institutional finance is clearly speeding up.

The conversation has moved from exploration to execution. Stablecoins are now considered practical tools to upgrade payment rails and efficiency. And the Tokenized deposits discussion is heating up accordingly.

This aligns with LedgerLink’s mission: to bridge legacy cores with the digital-asset ecosystems. Our purpose is to enable seamless integration between these 2 worlds by having our platform handling the intrinsic complexity, so banks can innovate with full control with a risk balanced approach.

We help institutions Integrate stablecoins into their existing core systems and therefore enable near-real-time for domestic and cross-border settlement with regulated stablecoins while at the same time, strengthening resilience with SOC 2–aligned controls and ISO 20022 messaging support.

We’re building the foundation for compliant innovation in next-generation banking.

In today's world, value moves at any time, even at 3 a.m. It is essential to establish rules in advance and build routines before the first transfer occurs. Pre-approving corridors and defining escalation trees ensures that the right person is alerted only when necessary.

Machine Learning plays a crucial role in ensuring that an alert signifies a "need for action" rather than a "need for investigation." The runbook should be treated as a living document, similar to a product: owned, measured, and versioned.

This focus is more critical than ever because Rails and assets are now operational 24/7. Payment windows are no longer restricted to office hours, and tokenized funds are in constant motion. The introduction of stablecoins and tokenized deposits adds further complexity to the landscape.

A recommended practice is to conduct the 3 a.m. drill. This approach allows teams to keep pace with the real-time movement of funds without experiencing burnout. It is our responsibility to leverage technology to benefit people, enabling them to enjoy a good night's sleep.

Remember, 3 a.m. in NYC is 3 p.m. in Shanghai. We are one world.

Consider the payment flows as analogous to the flows of water—constant movements of value, in and out, generating energy as they navigate through pools of liquidity.

Where do you want to start ?