A unified regulated platform automates treasury, payments, and compliance across fiat and digital assets.
Programmable money, a digital currency embedded with rules and automation capabilities, is rapidly transforming finance by enabling transactions that execute automatically based on predefined conditions, thus reshaping how businesses and institutions manage payments and financial workflows.
With this in view, Pave Bank, established in late 2023 and licensed by the National Bank of Georgia, recently announced (on 23 Oct 2025) it has addressed a complex challenge faced by businesses operating across both traditional fiat and digital asset financial systems. Such firms typically struggle with fragmented banking solutions that necessitate separate providers for fiat transactions, digital custody, liquidity management, and compliance.
This fragmentation adds operational complexity, increases risk, slows transaction speed, and raises costs. To overcome these challenges, Pave Bank developed a unified, regulated platform that integrates commercial banking services (deposit accounts, payment card issuance, foreign exchange liquidity, and corporate treasury management) with institutional-grade digital asset management, real-time settlement networks, and an over-the-counter trading desk.
By combining these functionalities in a single interface governed by one regulatory and compliance framework, the bank eliminates the need for clients to coordinate multiple service providers. Technical concepts and capabilities underpinning this transformation include:
- Programmability of money and assets via smart contracts enabling automated transaction flows
- Real-time management of both fiat and regulated digital assets, including stablecoins and cryptocurrency
- Automated treasury operations reducing manual intervention and operational risks
- Instant settlement networks enhancing liquidity and transaction speed
- Compliance and risk oversight integrated tightly with digital asset and traditional banking rails
- Use of AI and automation throughout software engineering, regulatory compliance, operations, and treasury functions to optimize efficiency and achieve sustainable profitability
According to the bank’s co-founder and CEO, Salim Dhanani, businesses served by the bank “expect their bank to be as fast and adaptive as the technology companies they partner with, but with the security, compliance, and oversight of a regulated financial institution.” He emphasized that the platform merges traditional banking stability with the automation and speed of digital assets to “redefine how money moves safely, transparently, and automatically across the world’s financial systems.”
