# Fintech Leaders Launch Proprietary Blockchains for Payments and Tokenized Assets ∞ Adoption

**Published:** 2025-09-18
**Categories:** Adoption

---

![A high-tech, white modular apparatus is depicted in a state of connection, with two primary sections slightly apart, showcasing complex internal mechanisms illuminated by intense blue light. A brilliant, pulsating blue energy stream, representing a secure data channel, actively links the two modules](https://incrypthos.com/wp-content/uploads/2025/09/modular-blockchain-interoperability-bridge-data-flow.jpeg)

![A translucent blue, organically shaped structure is partially covered with white, frosty material, showcasing intricate internal patterns. A metallic, multi-ringed component, housing a vibrant blue core, is prominently featured on the left side of the structure](https://incrypthos.com/wp-content/uploads/2025/09/High-Performance-Consensus-Mechanism-Cryogenic-Cooling-Protocol.jpeg)

## Briefing

Fintech giants Robinhood and Stripe are spearheading the next phase of institutional blockchain adoption by developing proprietary chains to embed digital assets into their core infrastructure, directly addressing the critical “execution bottleneck” that has historically limited mainstream integration. Robinhood’s new Layer-2 blockchain will support tokenized stocks and real-world assets, while Stripe’s Tempo is designed for payments, signifying a strategic pivot from mere crypto trading to foundational infrastructure development, aiming to bridge the performance gap with [traditional finance](https://incrypthos.com/adoption/jpmorgan-embraces-stablecoins-for-traditional-finance-integration/) systems that process billions of shares in under a second.

![A highly detailed close-up reveals a sleek, metallic blue and silver mechanical device, featuring a prominent lens-like component and intricate internal structures. White, frothy foam actively surrounds and interacts with the central mechanism, suggesting a dynamic operational process within the unit](https://incrypthos.com/wp-content/uploads/2025/09/Decentralized-Protocol-Engine-Processing-Liquidity-Pool-Dynamics.jpeg)

## Context

The traditional financial landscape has long grappled with operational inefficiencies, particularly in asset settlement and transaction throughput, where legacy systems like Nasdaq’s INET process over a million orders per second with sub-40-microsecond latency. This benchmark starkly contrasts with public blockchains, where Ethereum, for instance, manages approximately 15 transactions per second with 12-second block times, creating a significant performance disparity that has hindered the widespread institutional adoption of distributed ledger technology for high-volume, real-time [financial operations](https://incrypthos.com/adoption/major-financial-institutions-integrate-stablecoins-and-tokenized-assets/).

![The image showcases a detailed arrangement of blue and grey mechanical components, highlighting a central light blue disc emblazoned with the white Ethereum logo. Intricate wiring and metallic elements connect various parts, creating a sense of complex, interconnected machinery](https://incrypthos.com/wp-content/uploads/2025/09/Ethereum-Proof-of-Stake-Validator-Hardware-Interconnected-Blockchain-Modules.jpeg)

## Analysis

This adoption profoundly alters the operational mechanics of financial services by shifting from external crypto exposure to internal, purpose-built [blockchain infrastructure](https://incrypthos.com/news/blockchain-infrastructure/). Robinhood’s Layer-2 blockchain directly impacts asset issuance and trading, enabling the tokenization of stocks and real-world assets, thereby creating new avenues for capital formation and liquidity management. Stripe’s Tempo, a payments-focused chain, targets cross-border payments and treasury management, aiming to deliver the compliance, settlement, and reporting standards institutional clients expect.

These initiatives represent a systemic effort to overcome the inherent “execution bottleneck” of existing blockchains by integrating high-performance, specialized layers directly into core enterprise systems, thereby enhancing throughput and reducing latency to meet Wall Street’s stringent demands for speed and reliability. The strategic consequence for enterprises and their partners is a move towards a more efficient, transparent, and digitally native financial ecosystem, enabling real-time value transfer and asset management previously unattainable with [legacy systems](https://incrypthos.com/research/zero-knowledge-proofs-enabling-private-and-scalable-digital-systems/).

![The image displays a futuristic, metallic device with translucent blue sections revealing internal components and glowing digital patterns. Its sophisticated design features visible numerical displays and intricate circuit-like textures, set against a clean, light background](https://incrypthos.com/wp-content/uploads/2025/09/advanced-cryptographic-enclave-for-digital-asset-security-and-blockchain-processing.jpeg)

## Parameters

- **Key Adopters** ∞ Robinhood, Stripe

- **Core Technology** ∞ Proprietary Layer-2 blockchains, [payments](https://incrypthos.com/news/payments/)-focused chains

- **Strategic Enabler** ∞ Altius Labs’ modular execution layer

- **Primary Use Cases** ∞ Tokenized stocks, [real-world assets](https://incrypthos.com/tech/eip-7943-establishes-standard-for-tokenizing-real-world-assets/), payments

- **[Performance](https://incrypthos.com/news/performance/) Benchmark** ∞ Nasdaq’s INET system (2.5 billion shares in 0.871 seconds)

![The image displays a central, intricate structure composed of interconnected modular segments, each featuring blue circuit board elements and transparent, metallic-silver casing. This complex form is set against a blurred background of similar blue and white abstract shapes](https://incrypthos.com/wp-content/uploads/2025/09/Modular-Blockchain-Architecture-Cryptographic-Lattice-Decentralized-Network-Infrastructure.jpeg)

## Outlook

The strategic imperative for these fintech-led blockchain developments signals a new era where bespoke, [high-performance distributed ledger technology](https://incrypthos.com/tech/solana-consensus-and-block-capacity-upgrades-enhance-network-performance/) becomes integral to core financial operations. The next phase will likely involve the broader rollout and interoperability testing of these proprietary chains, potentially setting new industry standards for digital asset settlement and payment rails. This could trigger a competitive response from other financial institutions, accelerating the convergence of traditional finance with blockchain infrastructure, and driving further innovation in modular execution layers to enhance scalability across the ecosystem.

![A close-up view reveals an intricate, multi-layered mechanical component, dominated by metallic rings and internal structures, with a central cylindrical opening. White, crystalline frost coats parts of the assembly, and a bright blue, translucent gel-like substance flows within some of the inner grooves](https://incrypthos.com/wp-content/uploads/2025/09/Modular-Blockchain-Architecture-Securing-Decentralized-Network-Protocol-Efficiency.jpeg)

## Verdict

**The proactive development of proprietary blockchains by leading fintech firms decisively validates the strategic imperative for purpose-built, [high-performance distributed ledger](https://incrypthos.com/tech/solana-consensus-and-block-capacity-upgrades-enhance-network-performance/) technology to underpin the next generation of institutional financial infrastructure, establishing a clear pathway for the seamless integration of digital assets into global commerce.**

Signal Acquired from ∞ <a href="https://cointelegraph.com/news/crypto-institutional-adoption-bottleneck-annabelle-huang?utm_source=incrypthos.com&utm_medium=referral&utm_campaign=noo-engine.com" target="_blank" rel="nofollow">Cointelegraph</a>

## Glossary

<a href="https://incrypthos.com/adoption/jpmorgan-embraces-stablecoins-for-traditional-finance-integration/" class="glossary-item-box">

## traditional finance 

This strategic pivot by JPMorgan integrates stablecoins to streamline cross-border payments and asset tokenization, enhancing operational efficiency across global financial workflows. </a><a href="https://incrypthos.com/adoption/major-financial-institutions-integrate-stablecoins-and-tokenized-assets/" class="glossary-item-box">

## financial operations 

Enterprises are leveraging stablecoins for high-volume settlements and tokenizing real-world assets to enhance liquidity and operational efficiency across traditional finance. </a><a href="https://incrypthos.com/news/blockchain-infrastructure/" class="glossary-item-box">

## blockchain infrastructure 

Definition ∞ Blockchain infrastructure refers to the foundational technological components that enable distributed ledger networks to function. </a><a href="https://incrypthos.com/research/zero-knowledge-proofs-enabling-private-and-scalable-digital-systems/" class="glossary-item-box">

## legacy systems 

Zero-knowledge proofs revolutionize digital trust, allowing verifiable computation without data disclosure, unlocking new paradigms for privacy and scalability. </a><a href="https://incrypthos.com/news/payments/" class="glossary-item-box">

## payments 

Definition ∞ Payments are the transfer of funds or value between parties in exchange for goods or services. </a><a href="https://incrypthos.com/tech/eip-7943-establishes-standard-for-tokenizing-real-world-assets/" class="glossary-item-box">

## real-world assets 

A universal interface standardizes RWA tokenization, enabling seamless integration across EVM ecosystems. </a><a href="https://incrypthos.com/news/performance/" class="glossary-item-box">

## performance 

Definition ∞ Performance refers to the effectiveness and efficiency with which a system, asset, or protocol operates. </a><a href="https://incrypthos.com/tech/solana-consensus-and-block-capacity-upgrades-enhance-network-performance/" class="glossary-item-box">

## high-performance distributed ledger technology 

Architectural optimizations in Solana's consensus and block processing unlock sub-second finality and elevated transaction throughput, fortifying its high-performance ledger. </a><a href="https://incrypthos.com/tech/solana-consensus-and-block-capacity-upgrades-enhance-network-performance/" class="glossary-item-box">

## high-performance distributed ledger 

Architectural optimizations in Solana's consensus and block processing unlock sub-second finality and elevated transaction throughput, fortifying its high-performance ledger. </a>

**Tags:** [Management](https://incrypthos.com/news/management/), [Settlement](https://incrypthos.com/news/settlement/), [Institutional Finance](https://incrypthos.com/news/institutional-finance/), [Real World Assets](https://incrypthos.com/news/real-world-assets/), [Payments](https://incrypthos.com/news/payments/), [Financial](https://incrypthos.com/news/financial/)	

## Discover More

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### [Bitwise Files Avalanche ETF S-1, Signaling Expanding Digital Asset Integration](https://incrypthos.com/markets/bitwise-files-avalanche-etf-s-1-signaling-expanding-digital-asset-integration/)
![A pristine white sphere, its lower half imbued with a vibrant blue gradient, resembles a digital asset or blockchain node undergoing a smart contract execution. It rests amidst a dynamic formation of white and blue granular elements, suggestive of a decentralized autonomous organization DAO or distributed ledger technology DLT network. A prominent translucent blue immutable ledger crystal shard rises, symbolizing a protocol upgrade or hard fork. The entire structure floats on a rippled liquidity pool, reflecting DeFi capital flow and tokenomics distribution within a Web3 ecosystem. This visual metaphor encapsulates on-chain governance and staking rewards.](https://incrypthos.com/wp-content/uploads/2025/09/decentralized-protocol-sphere-emerging-from-liquidity-pool-shard.jpeg)

This strategic S-1 filing for an Avalanche ETF optimizes capital allocation within the digital asset ecosystem, enhancing regulated access and portfolio diversification.

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### [Ethereum Whales Accumulate amid Price Dip and Market Uncertainty](https://incrypthos.com/insights/ethereum-whales-accumulate-amid-price-dip-and-market-uncertainty/)
![A meticulously rendered silver-toned watch movement showcases intricate mechanical gears and ruby jewels against a dark backdrop. Dominating the center is a stylized, faceted Ethereum ETH logo, seamlessly integrated as the core consensus mechanism of this conceptual timepiece. This visual metaphor highlights the precision engineering of a decentralized network and the underlying protocol layer that powers digital assets and smart contracts, embodying the future of Web3 infrastructure and on-chain mechanics.](https://incrypthos.com/wp-content/uploads/2025/09/ethereum-protocol-decentralized-ledger-precision-engineering-digital-asset-timepiece.jpeg)

Large Ethereum investors are moving substantial amounts of ETH off exchanges, signaling long-term confidence despite recent price drops.

- 
### [Massive ETF Inflows Signal Strong Institutional Demand for Digital Assets](https://incrypthos.com/markets/massive-etf-inflows-signal-strong-institutional-demand-for-digital-assets/)
![A close-up reveals a sleek, translucent device featuring a prominent brushed metallic button, illuminated by an ethereal blue glow. This sophisticated interface suggests a secure hardware wallet or biometric authentication module, critical for safeguarding digital assets. The radiant blue signifies active cryptographic signature generation or successful transaction signing, essential for decentralized finance DeFi interactions and Web3 dApp access. It represents a non-custodial solution for private key management, enabling secure blockchain operations and multi-factor authentication MFA.](https://incrypthos.com/wp-content/uploads/2025/09/secure-biometric-hardware-wallet-transaction-confirmation-interface.jpeg)

Record ETF inflows demonstrate institutional trust, driving digital asset integration into mainstream portfolios.

- 
### [Corporate Treasuries Embrace Ethereum for Strategic Asset Accumulation](https://incrypthos.com/adoption/corporate-treasuries-embrace-ethereum-for-strategic-asset-accumulation/)
![A meticulously engineered transparent casing encases a vibrant blue fluid, suggesting advanced thermal management for high-performance computing. This design could represent a next-generation liquid-cooled ASIC miner, crucial for efficient proof-of-work consensus. The integrated metallic component, possibly a secure enclave or a data oracle, interfaces with the fluidic system, optimizing cryptographic hash rate computations. Such a setup enhances network security and scalability, minimizing energy consumption in decentralized ledger technology DLT operations. It embodies robust infrastructure for blockchain validation and transaction processing, vital for maintaining network integrity and achieving high transaction finality.](https://incrypthos.com/wp-content/uploads/2025/09/liquid-cooled-asic-node-for-optimized-decentralized-network-throughput.jpeg)

Enterprises leverage Ethereum's programmable infrastructure for substantial asset accumulation and real-world asset tokenization, enhancing capital efficiency.

- 
### [JPMorgan Launches JPMD Token on Base for 24/7 Global Settlements](https://incrypthos.com/adoption/jpmorgan-launches-jpmd-token-on-base-for-24-7-global-settlements/)
![A futuristic, high-tech circular apparatus features glowing blue accents and intricate internal components. Within its core, a dynamic expulsion of white vapor intermingles with distinct blue granular particles, suggesting a complex processing mechanism. This visual metaphor represents a validator node actively engaged in transaction throughput, perhaps performing cryptographic hash functions or block production. The effervescent blue particles could symbolize newly generated tokens or processed data packets, indicative of a robust distributed ledger technology DLT operation or smart contract execution. The overall composition conveys efficient network security and scalability solutions within a decentralized ecosystem.](https://incrypthos.com/wp-content/uploads/2025/09/cryptographic-hashing-engine-secure-data-stream-emission-system.jpeg)

This initiative leverages blockchain for real-time B2B and cross-border payments, optimizing capital efficiency and mitigating operational latency across global financial corridors.

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### [Venus Protocol User Phished, $13.5 Million Recovered by Governance](https://incrypthos.com/security/venus-protocol-user-phished-13-5-million-recovered-by-governance/)
![A close-up view reveals a sophisticated mechanical assembly, potentially a core component of a validator node. Polished silver and deep blue elements dominate, with a central cylindrical module featuring intricate vents, likely housing a cryptographic primitive for secure operations. Numerous blue conduits interweave, representing data pathways facilitating transaction finality within a distributed ledger technology framework. Peripheral metallic modules suggest integrated hardware security enclaves crucial for maintaining decentralized network integrity and executing proof-of-stake consensus algorithms. The composition emphasizes precision engineering.](https://incrypthos.com/wp-content/uploads/2025/09/modular-blockchain-validator-engine-with-secure-cryptographic-interconnects.jpeg)

A sophisticated phishing attack leveraging a compromised user client granted delegated control, underscoring critical user-side vulnerability in DeFi.

- 
### [Formalizing MEV: A Foundational Theory for Blockchain Security](https://incrypthos.com/research/formalizing-mev-a-foundational-theory-for-blockchain-security/)
![A macro view reveals an intricate metallic structure, possibly a 3D-printed cryptographic primitive or a blockchain architecture component. Its surface exhibits a mottled, textured pattern, reminiscent of hashed data or digital asset fragmentation. Interconnected loops suggest a node network or protocol layers within a decentralized autonomous organization DAO framework. Circular apertures could represent smart contract execution points or oracle network integration. The robust, weathered appearance emphasizes immutable ledger resilience and tamper-proof security inherent in distributed ledger technology DLT. This visual metaphor underscores the complexity of Web3 infrastructure.](https://incrypthos.com/wp-content/uploads/2025/09/distributed-ledger-technology-node-network-cryptographic-security-framework.jpeg)

This research establishes a formal theory of Maximal Extractable Value, providing a robust framework for understanding and mitigating economic attacks on blockchains.

- 
### [Fintech Giants Build Proprietary Blockchains for Institutional Digital Assets](https://incrypthos.com/adoption/fintech-giants-build-proprietary-blockchains-for-institutional-digital-assets/)
![A detailed, futuristic circuit board, rendered in deep blues and metallic silver, forms the central focus, showcasing intricate pathways and integrated components. This sophisticated hardware embodies the core of a blockchain node, executing complex cryptographic primitive operations. Its design suggests an ASIC or specialized processor vital for distributed ledger technology DLT, potentially housing a secure enclave for hardware wallet functionality. The architecture underpins robust consensus mechanism computations and efficient smart contract execution, forming critical decentralized infrastructure for data immutability within the Web3 ecosystem.](https://incrypthos.com/wp-content/uploads/2025/09/advanced-blockchain-node-hardware-cryptographic-primitive-architecture.jpeg)

Strategic fintech investments in dedicated blockchain infrastructure address critical performance gaps, enabling seamless digital asset integration for enhanced efficiency.

- 
### [Avantis Token Secures Major Exchange Listings](https://incrypthos.com/web3/avantis-token-secures-major-exchange-listings/)
![Two distinct spherical digital assets, one sharply focused, are intricately embedded within a matrix of reflective, angular geometric structures. These forms evoke the complex, interconnected architecture of a distributed ledger technology, symbolizing network nodes, cryptographic primitives, and smart contract logic. The cool blue and gray palette underscores a secure, high-tech environment for on-chain transactions and data immutability. The spheres' textured surfaces could denote unique tokenomics or historical price action within a liquidity pool, reflecting the dynamic nature of fungible tokens or an NFT collection.](https://incrypthos.com/wp-content/uploads/2025/09/digital-asset-spheres-within-blockchain-network-architecture.jpeg)

Avantis achieves significant market expansion through tier-one exchange listings, enhancing liquidity and solidifying its position as a Base ecosystem derivatives leader.

**Tags:** [Adoption](https://incrypthos.com/news/adoption/), [Asset](https://incrypthos.com/news/asset/), [Assets](https://incrypthos.com/news/assets/), [Blockchain](https://incrypthos.com/news/blockchain/), [Blockchain Infrastructure](https://incrypthos.com/news/blockchain-infrastructure/), [Blockchain Performance](https://incrypthos.com/news/blockchain-performance/), [Digital Asset](https://incrypthos.com/news/digital-asset/), [Digital Asset Integration](https://incrypthos.com/news/digital-asset-integration/), [Distributed Ledger](https://incrypthos.com/news/distributed-ledger/), [Enterprise Blockchain](https://incrypthos.com/news/enterprise-blockchain/), [Financial](https://incrypthos.com/news/financial/), [Infrastructure](https://incrypthos.com/news/infrastructure/), [Institutional](https://incrypthos.com/news/institutional/), [Institutional Finance](https://incrypthos.com/news/institutional-finance/), [Integration](https://incrypthos.com/news/integration/), [Layer-2](https://incrypthos.com/news/layer-2/), [Layer-2 Solutions](https://incrypthos.com/news/layer-2-solutions/), [Management](https://incrypthos.com/news/management/), [Operational Efficiency](https://incrypthos.com/news/operational-efficiency/), [Payments](https://incrypthos.com/news/payments/), [Payments Infrastructure](https://incrypthos.com/news/payments-infrastructure/), [Performance](https://incrypthos.com/news/performance/), [Real World Assets](https://incrypthos.com/news/real-world-assets/), [Real-World](https://incrypthos.com/news/real-world/), [Settlement](https://incrypthos.com/news/settlement/), [Tokenized Assets](https://incrypthos.com/news/tokenized-assets/)

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**Original URL:** https://incrypthos.com/adoption/fintech-leaders-launch-proprietary-blockchains-for-payments-and-tokenized-assets/
