A seasoned blockchain payment expert pointed out at the Italian banking conference that blockchain-driven cross-border transaction networks are reshaping the traditional banking industry's rules of the game. His core point is: "This time, innovative technology is directly penetrating the heart of the system."

What does this mean? Traditional cross-border remittance processes involve multiple intermediaries, lengthy clearing cycles, and high fees — but distributed ledger-based payment networks are bypassing these steps. Real-time settlement, transparent pricing, and cost reduction are forcing the banking system to accelerate adaptation.

For the crypto ecosystem, this signifies an evolution from fringe technology to mainstream financial infrastructure. Whether it’s stablecoins or on-chain payment protocols, they are gradually gaining the potential for institutional-grade applications.