If we think about the future of banking systems, we realize that the Digital Wallet is effectively the next Core Banking system. Especially with the spread of Tokenization in everything from money market funds to bonds and CBDCs.
The wallet’s role is no longer just signing transactions; it now enforces rules, directs liquidity, and manages access between different networks.
In traditional financial systems, control resided within the Core Banking system. In the next generation, control shifts to the Wallet—the convergence point of Identity, Compliance, and Execution.
Today’s wallet is not just a box for keys but a programmable Policy Engine determining who can act, under what rules, and with which assets. Lightweight, Cloud-native, and interoperable, sitting right between Custody and Smart Contracts.
"In the tokenized financial world, the wallet is not an endpoint; it is the platform orchestrating digital value, handling Settlement, and creating interoperability between new financial networks."