The research library.
Regulatory analysis, engineering notes, and the Bitcoin Banking Standard.
The Bitcoin Banking Standard: regulation and adoption, every two weeks
OCC and FDIC actions, Federal Reserve guidance, state regulators, and what each one changes for a bank’s product roadmap. Every edition is in the library below under News.
The library
Everything we have published, newest first. Narrow it by category or year, or search titles.
Showing 49 of 49
The Bitcoin Banking Standard — Edition 16
Rust for Core Banking: A Language That Says No
The Bitcoin Banking Standard — Edition 15
The Bitcoin Banking Standard — Edition 14
The Bitcoin Banking Standard — Edition 13
The Bitcoin Banking Standard — Edition 12
CLARITY Act §401: What Banks and Credit Unions Can Do with Digital Assets
Digital Asset Banking Built for Your Infrastructure
Bitcoin as Pristine Collateral: A Property-by-Property Comparison
Galoy Expands Bitcoin Banking Platform Ahead of Bitcoin 2026
The Bitcoin Banking Standard — Edition 11
The Bitcoin Banking Standard — Edition 10
Event-Sourced Banking: Architecture Built for Audit, Safety, and Scale
The Bitcoin Banking Standard — Edition 9
The Bitcoin Banking Standard — Edition 8
The Bitcoin Banking Standard — Edition 7
The Bitcoin Banking Standard — Edition 6
Bitcoin Backed Lending: A Win/Win/Win
The Bitcoin Banking Standard — Edition 5
The Bitcoin Banking Standard — Edition 4
The Bitcoin Banking Standard — Edition 3
The Bitcoin Banking Standard — Edition 2
The Bitcoin Banking Standard — Edition 1
The Rise of Bitcoin Banks — Stephan Livera Pod
Galoy Launches Lana for Digital Asset Lending
How SAB121's Withdrawal Unleashes Banking Innovation
When Banks and Bitcoin Collide
Blink Completes Transaction to Accelerate Growth
How Will Enterprises Adopt Bitcoin?
From Galoy to Blink — GitHub Repositories Renamed
Industry Use Cases of the Lightning Network
The Lightning Cash Register
Announcing Stablesats
Inbound Liquidity & Fee Structures on Lightning
Newsletter #4: Bitcoin Mortgages & Open Source
Bitcoin Mortgage Payments in El Zonte
Newsletter #3: Bitcoin For Communities
Bitcoin For Communities
Receive Payment Via Lightning Address
Newsletter #2: $3m Seed Round
Galoy Raises $3m Seed Round
Recap: Adopting Bitcoin Lightning Summit
Newsletter #1: Adopting Bitcoin
Bitcoin Banking for Communities
The Galoy Origin Story
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Bitcoin Banking 101
An interactive guide to Bitcoin-backed lending, in four parts. Start here if the subject is new to you.
The mechanics
What a Bitcoin-backed loan actually is: collateral posted, funds disbursed, a loan-to-value ratio the lender watches, and a defined path if that ratio moves.
Why the collateral behaves differently
Priced continuously against a market that never closes, transferable in minutes, and identical wherever it sits. None of which is true of a building.
Real-time risk management
What it means for margin policy when the mark is live rather than annual: known call prices, defined liquidation thresholds, and no appraisal lag.
Why it suits a bank
The bank already knows how to write secured credit. This is that, against collateral it can observe, on a balance sheet it already runs.
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