FIS: Digital Currencies Are Testing Bank Infrastructure

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FIS executive Jon Eisenstein said digital currencies are prompting banks to reassess infrastructure, network interoperability, and real-time settlement controls. Tokenized deposits are better suited to banks’ existing relationships and institutional controls, while stablecoins can help expand reach across multiple networks; real-time settlement can reduce waiting times for funds and reconciliation, but requires stricter transaction controls. As AI agents initiate financial transactions, banks will also need to manage delegated authority, permissions, and audit trails.