American Banker Podcast

The crypto companies getting trust charters hold 100% reserves and thus are lower risk than traditional banks that hold fractional reserves, Mike Belshe argues.

Citi, DTCC and others are quietly using Hyperledger Besu as neutral, enterprise-grade rails for tokenized deposits and collateral. Daniela Barbosa, general manager of decentralized technologies at the Linux Foundation, explains why.

The Office of the Comptroller of the Currency has conditionally approved several national trust bank charters for crypto companies. Fabian Dori, head of asset management at Sygnum Bank, a digital asset bank based in Zurich that has operated as a crypto bank for more than six years, shared what happens after the charter.

The company's new CEO, and long-time chief technology officer, shares his views on why some banks are stuck in old ways of determining creditworthiness, how Upstart has been modifying its underwriting models and the objections people sometimes have to AI-based lending.

Rodney Hood, former acting Comptroller of the Currency and former chair of the National Credit Union Administration, says the credit scoring system is broken and AI can fix it.