Why Banks Won't Use Public Chains. Jake Claver on liquidity and settlement.
What this recording covers
Claver explains why institutions cannot adopt public blockchain frameworks for financial products. Public chains allow anyone to participate without identity verification, which conflicts with regulatory requirements institutions must meet. To offer products to participants, institutions need to confirm KYB, AML, OFAC, and other compliance checks, and to verify suitability requirements set by the SEC. Private permissioned ecosystems solve this by requiring credentials before anyone can enter. Participants share a hash of their digital identity, records are kept on file for compliance, and they gain access once they qualify. Claver notes this model can still connect to a public network for settlement and liquidity sourcing. He explains that this architecture is the reason so many amendments targeting institutional and enterprise adoption have been proposed and accepted on the XRP Ledger heading into 2026.
Where this fits
This page hosts a recorded video and a short summary of what it covers. It is general information, not investment, tax, or legal advice, and not a recommendation to buy or sell any asset or to form any entity. Rules change and older recordings may describe a position that has since moved. Speak to a qualified professional before acting.