What does a “crypto bank” actually look like?
It’s not just adding crypto trading.
It’s a full architecture shift across technology, risk, and compliance.
To offer crypto services, banks need to rethink:
- Asset due diligence
- Risk frameworks
- Governance models
- AML & compliance controls
- Wallet screening & transaction monitoring
Why?
Because crypto introduces new challenges:
- Price volatility
- Regulatory uncertainty
- Pseudonymous transactions
- New financial crime risks
Which creates a key strategic question for banks:
Where do we play in the crypto value chain?
Trading?
Custody?
Payments?
Infrastructure?
The reality:
Crypto banking isn’t a product decision.
It’s an operating model decision.
#xrp $XRP
