'Credit access is absolutely a problem': Upstart's Paul Gu

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.  

Surjit Chana, a board member of Beneficial State Bank, a Harvard Fellow and a tech committee member of the Global Alliance for Banking Values, explains why there's a need for what he calls a moral architecture for AI

JPMorganChase, Citi, Bank of America and Anchorage Digital are among the banks that are using or planning to work with the Solana distributed ledger and network. Solana Policy Institute CEO Miller Whitehouse-Levine explains how it works.

Peter Chapman, chief technology officer at Grasshopper Bank, initially saw AI as "the best intern that you could ever have." Today the technology is taking on more advanced work at the bank.

"AI may not take your job, but somebody who knows AI will," says Raymond George, CIO of Clearview Federal Credit Union.  

JPMorganChase, Citi, Vantage Bank and Custodia Bank have all chosen Ethereum as the underpinning for blockchain projects such as tokenized deposits. The chairman of the Enterprise Ethereum Alliance explains its appeal.