Q1. As financial services become increasingly programmable and global, what do you think the “bank” of the future will actually look like, and how different will it be from the institutions we know today? A: The bank of the future will likely be less defined by the institution itself and more by the financial capabilities it provides. Users will not necessarily care whether a particular function comes from a bank, fintech, stablecoin infrastructure, or an onchain platform. They will care about whether they can access, move, hold, and use value reliably.