The Bank Coin Flywheel That’s Quietly Changing Everything
There’s a quiet shift happening inside the world of digital money, and most people haven’t connected the pieces yet. Banks are slowly building their own versions of digital coins. These coins aren’t like the tokens people trade every day. They act more like digital receipts that move inside a bank’s internal systems. At first, this may sound simple, almost boring. But the effect is far bigger than it looks.
When a bank creates its own coin, it can settle payments much faster. Money doesn’t sit in long queues or wait for old systems to approve each step. The movement becomes smooth, almost instant. As this improves, the bank saves time and reduces mistakes. Those savings push the bank to rely even more on these digital coins.
And that’s where the flywheel begins.
Faster settlement encourages more internal use. More internal use encourages more partners to connect. Once partners connect, they start exploring new ways to move value. Slowly, without headlines or hype, the entire network becomes dependent on a system that didn’t even exist a few years ago.
It’s small now, but once the wheel starts turning, it rarely slows down.
