🏦 What blockchains are banks using today?
Banks do use blockchain, but not always the same ones that common users use.
In general, they seek privacy, control, and regulatory compliance.
🔵 1) Ripple (XRP Ledger)
Use: international payments
✔ Fast and cheap transfers
✔ Proven by banks and payment providers
✔ Focus on replacing systems like SWIFT
👉 It is one of the most well-known and visible to the public.
🟢 2) Stellar (XLM)
Use: remittances and cross-border payments
✔ Similar to XRP
✔ Widely used in financial inclusion projects
✔ Low costs
👉 More focused on remittances and small payments.
🟣 3) Ethereum (ETH) – institutional version
Use: asset tokenization, smart contracts
✔ Bonds, funds, tokenized assets
✔ Used by large banks and managers
✔ Often on private networks (not the public one)
👉 It is the basis of many modern financial projects.
🟠 4) Hyperledger Fabric
Use: private blockchains for banks
✔ Widely used in testing and closed environments
✔ High privacy
✔ Has no token
👉 Ideal for banks that do not want public networks.
🔵 5) Canton Network
Use: advanced institutional finance
✔ Banks, funds, and regulated markets
✔ Privacy + interoperability
✔ Very oriented towards complex financial assets
👉 Infrastructure more than investment.
🟡 6) Corda (R3)
Use: financial agreements and settlements
✔ Designed for banks
✔ It is not a public blockchain
✔ Widely used in banking tests.
📊 Easy summary
XRP / XLM: payments and transfers
Ethereum: tokenization and institutional DeFi
Hyperledger / Corda / Canton: private use among banks
Not all have tokens
Not all are for trading
🧠 Conclusion
👉 Banks do use blockchain, but prioritize:
privacy
regulation
control
That's why they often use private or hybrid networks, not the same ones that traders use.
