April 28, 2026 — Galoy has expanded its Bitcoin-native core banking platform across six use cases and introduced three risk and regulatory intelligence tools, consolidating the infrastructure U.S. community and regional banks need to launch Bitcoin services. The announcement coincides with Bitcoin 2026 in Las Vegas, where Galoy team members are meeting with banks and credit unions evaluating bitcoin as part of their product offerings.
The platform now covers six use cases: Bitcoin-backed lending, Bitcoin payments over the Lightning Network, stablecoin payments aligned with GENIUS Act requirements, Bitcoin exchange under the OCC’s riskless principal model established in Interpretive Letter 1188, Bitcoin custody with qualified custodian or in-house custody, and digital asset wallet capabilities embedded directly into a bank’s existing mobile app. The platform deploys as a sidecar alongside existing core banking systems, and banks choose their own integration partners, with no lock-in.
One use case that’s standing out as a revenue generating opportunity for financial institutions is Bitcoin-backed lending. FIs have existing processes in place to manage asset-backed loans; adding Bitcoin-backed loans is a natural extension of this strategy. For banks and credit unions pursuing this use case, the Galoy platform provides the missing piece: software that can manage the nuances of full Bitcoin-backed lending lifecycle — origination through close-out — with real-time LTV monitoring, built-in double-entry accounting, role-based access controls, and committee approval workflows.
To support financial institutions actively developing their digital asset strategy, Galoy also introduced three tools available today:
- Regulatory Radar — a comprehensive view of recent OCC, Federal Reserve, FDIC, and state regulatory developments affecting Bitcoin banking, with plain-language summaries and implications for institutional teams.
- Portfolio Analyzer — an interactive model for evaluating Bitcoin-backed lending portfolios, pre-loaded with call-report data for every FDIC-insured bank and NCUA-insured credit union in the United States — all 8,652 institutions (4,278 banks and 4,374 credit unions). Bank and credit union leaders can look up their own record to auto-populate loan book, loan mix, and cost-of-funds inputs from the latest FFIEC and NCUA call reports, run yield, capital allocation, and concentration analysis, and download a PDF report for internal review.
- LTV Risk Scenarios — a stress-testing tool that lets risk and credit teams model collateral behavior, margin thresholds, and liquidation outcomes under historical and hypothetical Bitcoin price paths.
“As financial institutions develop their digital asset strategies, they are looking for clarity, control, a strong approach to risk, and room to adapt as the market evolves. Galoy provides the modern infrastructure banks and credit unions need to launch and manage digital asset products, while also working alongside them to educate teams, shape strategy, and preserve flexibility and optionality in a changing financial landscape.”
— Nicolas Burtey, CEO of Galoy
Galoy Chief Strategy Officer Andrew Begin will participate in a session at Bitcoin 2026 titled “Banking with Bitcoin & Digital Assets Built-In” on Tuesday, April 28 at 12:30 PM PT on the Enterprise Stage at The Venetian Resort.
More information on the platform, the six use cases, and the new tools is available at galoy.io.
# # #
About Galoy
Galoy builds Bitcoin-native core banking infrastructure for regulated financial institutions. Financial institutions use Galoy to offer Bitcoin custody, payments, Bitcoin-backed lending, and stablecoin services through a custody-independent sidecar deployment that works alongside existing core systems. Galoy has built Bitcoin banking infrastructure since 2019, and is ISO 27001:2022 certified. Learn more at galoy.io.
Media Contact
Dan Hersey
Marketing Lead, Galoy
dan@galoy.io