banking.io

Banking is not being disrupted. It is being absorbed.

As money becomes programmable and intelligence becomes the control layer of finance, the bank as an identity fades. The bank as infrastructure ascends. License, ledger, and regulation remain. Brand, branch, and relationship do not.

This book is the architecture of that shift: twelve protocols and seven layers of the agentic bank, written from inside a licensed bank that already runs as a rail.