Programmable money

Will central banks take the lead?

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Executive overview

Authors: Jesse Lund

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, Global Vice President, IBM Blockchain, IBM Industry Platform,
Jed McCaleb

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, Stellar Cofounder and Chief Technical Officer,
Lindsay Lin

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, Counsel and Program Manager, Lightyear.io

Experts on this topic The financial services industry is exploring the promise of blockchain technology. A variety of consortia, including the business-focused Digital Trade Chain Consortium and the technology-focused Hyperledger, have been having thoughtful discussions. These discussions and experimentation have given rise to collaborative pilots and private implementations. Some of these pilots have now matured into production systems. Many high-impact projects are likely to be implemented within the next 12 months.


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Programmable money, the potential to revolutionize the global financial system

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