Banking, Payments, and Digital Rail Infrastructure
Banking is being rebuilt from the inside out. Stablecoin rails, embedded finance, real-time payments, and programmable money are reshaping how deposits, payments, and compliance work at every layer of the financial system.
This track teaches how modern banking infrastructure operates, how compliance and capital requirements intersect with digital assets, and how stablecoin and BaaS models are creating the next generation of financial products.
Who this is for
Built for the people operating the rails.
This track is designed for banking professionals, payment architects, compliance teams, and FinTech builders who need to understand how digital assets, stablecoins, and real-time settlement are changing the core infrastructure of modern banking.
- Commercial & retail bankers
- Payment architects & operations leaders
- Compliance & BSA/AML teams
- Treasury & liquidity managers
- Digital banking product managers
- FinTech founders in banking
- Regulatory affairs professionals
Why this matters now
The payments stack is being rewritten.
FedNow, RTP, and stablecoin rails are creating instant settlement capabilities that make legacy batch processing obsolete. Banks that don't modernize their payment infrastructure face existential competitive pressure from FinTech and crypto-native competitors.
Embedded finance and Banking-as-a-Service models are distributing banking products through non-bank channels at scale — requiring new approaches to compliance, risk management, and capital allocation that didn't exist five years ago.
Professionals who understand both traditional banking operations and the digital systems layering on top will be essential as every institution navigates this transformation.
Structured learning path
8 courses from architecture to capstone.
Foundation
Modern Banking Architecture
Core banking systems, ledger design, account structures, payment networks, regulatory frameworks, charter types
Payments Infrastructure & Settlement
ACH, wire, SWIFT, FedNow, RTP, card rails, cross-border payments, correspondent banking, settlement finality
Intermediate
Compliance & Regulatory Operations
BSA/AML, KYC, CDD, SAR filing, sanctions screening, OFAC, state vs federal regulation, examination process
Reserves, Custody & Capital Management
Reserve requirements, capital adequacy, Basel III, FDIC insurance, custodial accounts, segregation rules
Stablecoin & Digital Asset Integration
Stablecoin mechanics, reserve attestation, on/off-ramp design, bank-issued tokens, programmable money, CBDC
Banking-as-a-Service & Embedded Finance
BaaS platforms, sponsor bank models, API banking, program management, partner risk, regulatory partitioning
Advanced
AI for Banking Operations
Fraud detection, credit scoring, transaction monitoring, customer segmentation, operational automation, risk models
Digital Banking Capstone
Design a banking product: payment flow, compliance framework, reserve structure, digital asset integration, reporting
Applied labs
Architect it. Comply it. Ship it.
This track includes hands-on labs where you build real outputs: payment architectures, compliance workflows, stablecoin integration blueprints, and digital banking product specifications.
View All LabsCapstone project
Digital Banking Capstone
Complete the track by designing a full digital banking product: payment flow architecture, compliance framework, reserve structure, digital asset integration layer, and operational reporting system.
Connected ecosystem
Systems and infrastructure aligned with this track.
x402
Payment rail infrastructure for machine-native transactions, settlement, and financial system architecture.
OPTKAS
Structured capital infrastructure for institutional asset origination, custody, and settlement.
Helios Digital
Digital asset custody and certificate systems for bank-grade wallet provisioning.
XXXIII / GMIIE
Global monetary infrastructure intelligence for banking regulation, CBDC tracking, and market signals.