Bank on Wipfli podcast: Programmable money and the future of banking

In this episode of Bank on Wipfli, host Robert Zondag sits down with Justin Seidl, chief technology officer at Coinbax, to discuss the growing role of programmable money and stablecoins in financial services. Together, they explore how financial institutions can safely participate in this emerging payment ecosystem, including:

• How to balance the speed and efficiency of blockchain-based payments with the trust, controls and compliance frameworks customers expect.
• Why stablecoins should be viewed as a payment mechanism rather than an investment vehicle.
• How financial institutions can apply compliance checks, escrow functionality and risk controls to stablecoin transactions.
• Emerging use cases for programmable money, including treasury management, cross-border payments, investor funding, invoice reconciliation and automated escrow transactions.
• Why major core providers such as Fiserv, Jack Henry and FIS are investing in stablecoin infrastructure.

Learn more

• Risk Roundtable: Navigating SAR investigations and regulatory expectations with confidence
• For financial institutions, the control environment is no longer just an audit issue
• Stablecoin compliance: What you need to know about the GENIUS Act and PPSIs