Dear Members of The Digital Banking Network,
On behalf of the entire team at Metallicus, I want to thank you for your support throughout 2024 as we brought 'the world's most customer-centric digital asset banking network' to life as ‘The Digital Banking Network’ (TDBN), an open-source blockchain banking protocol designed to transform the way we interact with money.
Since setting out in 2015, 2024 has been our biggest year yet, so it feels fitting that we will celebrate the Metallicus 10-year anniversary in late 2025. Over the past year, we deployed more blockchain-powered financial tools to the network, integrated with key traditional banking technology systems, received certification from the Federal Reserve to deliver instant payments as part of the FedNow® Payments Service, and announced our acquisition of Bonifii, enabling 80+ US credit unions to move onchain.
As always, compliance has guided our innovation, ensuring we continue to meet global regulatory requirements. At the same time, we have pushed the upper limits of development to solidify Metallicus’ position at the pinnacle of blockchain engineering. From launching the Bitcoin Virtual Machine testnet on Metal Blockchain, to launching Metal Dollar way ahead of its time, just as stablecoins begin to take center stage, we are truly leading the way to the onchain financial future.
To celebrate the start of a new year (or a new decade in crypto), we asked the Metallicus team to share their highlights from 2024 and what they’re most looking forward to in 2025, without saying anything [redacted].
Enjoy the reflections below, and we look forward to building with you again this year.
Thank you,
Marshall
Reflecting on 2024
Our Human-first Client Services Team
“Our promise is that you will always be able to speak to someone human at Metallicus Client Services, because we know first hand how frustrating a low IQ automated chat bot can be when you’re trying to move money. This year, our Client Services team exceeded expectations, hitting a first time reply time with a human in 3.6 minutes, and a customer satisfaction score of 95%.”
Kemal - Client Services Team Manager
Taking Metal Pay Global
“Last year, we ventured far from our California home to launch in two new countries, bringing Metal Pay’s full crypto purchasing capabilities to Australia and New Zealand. We continue to work closely with global regulators to ensure we meet the necessary compliance requirements to expand The Digital Banking Network worldwide. The US remains our top priority, and we were pleased to extend our footprint further by launching in Hawaii.”
Karen - VP of Product
Connecting the Optimism Superchain to TDBN
“Launching Metal L2 and joining the Superchain this year were key highlights. The onchain world is vast, and we know some of our members’ favorite applications exist across different ecosystems. We have always believed the future is multi-chain. Connecting the Optimism Superchain to The Digital Banking Network through Metal L2 is really exciting, and we look forward to bringing products like Metal Dollar and Metal X to more chains within the Superchain in 2025.”
Paul - TDBN Business Development Manager
Designing Metal Pay Connect
“With the Metal Pay Connect UI, we set out to create the simplest possible way to purchase crypto while still maintaining all essential security features. We also made it versatile enough so new partners can easily customize their ideal onramp for their users. We’re always listening to feedback from our community and remain committed to building an experience that puts our members first.”
Ivan - Senior Marketing Product Designer
Driving Innovation in TradFi
“Our work with the Metal Blockchain Banking Innovation initiative this year has been a major milestone for Metallicus. We focused on supporting institutions on their journey into blockchain by providing a familiar, comfortable environment where they could openly discuss innovation with other banking program members. We successfully added more than 16 credit unions to the program, and they are now incubating various use cases, ranging from stablecoins and digital identity to SSO and tokenization, with the goal of rolling out proof-of-concepts in 2025.”
Frank - Director of Blockchain for Institutions and FinTechs
Metallicus in the Media
“It’s safe to say we had our biggest year yet of media coverage, securing features in outlets like Forbes and Cointelegraph, with American Banker specifically covering our work with credit unions in the U.S. We also hosted thought leadership livestreams with Congressman Byron Donalds and Congressman Zach Nunn, aiming to facilitate high-quality discussions around blockchain and regulation in collaboration with platforms such as CoinDesk and Nasdaq. We have a major lineup of media plans in 2025, and we are looking forward to sharing more of the Metallicus journey with you.”
Will - Director of Marketing
Locking in to 2025
Our Credit Union Service Organization
“Metallicus’s acquisition of Bonifii and the formation of the Metallicus Credit Union Service Organization positions us exceptionally well to advance the adoption of blockchain technology among US credit unions. Looking ahead to 2025, we plan to build on the foundations established by CU Ledger, now adding Metallicus’s expert blockchain engineering capabilities to the credit union sector, allowing traditional financial institutions to upgrade their infrastructure in preparation to support the digital asset economy and significantly enhance services for their members.”
John - General Manager Metal Blockchain
A Jam Packed Roadmap
“We have a jam-packed roadmap for 2025. Some highlights include taking Metal X multichain by deploying our multi-feature decentralized trading platform on Metal L2. WebAuth 3.0 will receive major upgrades, including Passkey support and an enhanced user interface with an address book, easy network switching, and a range of improvements that make connecting to your favorite applications even more seamless. We’re also adding support for new chains in WebAuth, allowing us to continue evolving alongside the broader blockchain ecosystem.”
Maura - VP of Engineering
New Assets, New Markets, New Mainnets
“Metallicus has always looked to lead the industry when it comes to compliance and meeting regulations. As the digital asset landscape has evolved over the past 12 months, we have continuously reviewed our offerings to members and are excited to bring back some old assets while also introducing new ones in 2025. We plan to support these assets across multiple products in the Metallicus suite, as well as their native blockchains so that TDBN remains interoperable with the broader blockchain ecosystem.”
Irina - Chief Financial Officer
AI Coming to TDBN
“The impact of AI on blockchain was always inevitable. As we witness the rise of AI agents operating on-chain, some with the ability to execute transactions, others launching meme coins, Metallicus identified numerous opportunities for AI to benefit members of The Digital Banking Network. In 2024, we began adding AI support to Metal X Pro, a fully AI-assisted decentralized exchange.
With Metal X Pro, we envision users placing trades, depositing to lending markets, and navigating the full suite of exchange functions, all with the support of their personal AI trading assistant. We have already established the framework to facilitate LLM queries using XPR as payment and will continue advancing its development throughout 2025.”
Marshall - Chief Executive Officer
Wishing everyone an incredible 2025
