In the past month, blockchain conferences have come fast and furious — we traveled to Seoul, Singapore, and Shanghai. For exSat, this wasn’t just a hectic tour, but a deep dive into what the future of finance could look like.
Whether it was rethinking how banking services work, putting real-world assets on-chain, or innovating payment systems, our conversations with peers around the globe revealed one clear insight: true transformation isn’t just about new technology. It’s about reconnecting banks, assets, and payments to give people a freer, smarter financial experience.
KBW: When “Banking” Goes On-Chain
In Seoul’s Korea Blockchain Week (KBW 2025), we centered our discussion on a core question: in the era of blockchain and AI, how should banking be redefined? Industry consensus is emerging — the bank of the future won’t merely be a platform for deposits and withdrawals; it will be the infrastructure that lets value flow freely.
At the HashKey/Kraken/Chainlink “Crypto Mass Adoption” panel, exSat’s Chief Business Officer Sistine explained that the essence of putting real-world assets (RWAs) on-chain isn’t just the tokenization itself, but bridging on-chain finance with the real world. This is exactly what exSat is pursuing: combining RWAs, compliant custody, and decentralized infrastructure so that traditional assets truly gain on-chain liquidity. In short, RWAs become a real-world engine for driving Web3 adoption.
Later that week at a “Let’s Build” sharing session in Seoul, exSat’s Chief Growth Officer Joshua delivered a talk titled “From 1925 to 2025: Think Different About Banking.”
He took a century-long perspective to highlight a structural problem: 100 years ago, banks were built on trust and stability, under a “one person, one job, one bank” service model. Today our lives are digitized and assets span multiple industries, yet the banking system still runs on the logic of a century ago. Joshua posed the obvious challenge: in today’s financial world, technological advances haven’t truly improved our user experience. For example:
- Want to see all your assets? You might have to log into multiple bank, brokerage, and crypto accounts. These accounts are siloed and don’t share data, making it hard to get an overview of your total portfolio.
- Want to optimize your portfolio? You usually have to move funds manually across different platforms, since there is no unified asset-allocation or automated management tool to assist your decisions.
- Want to spend your crypto? The process is still cumbersome: you must convert your crypto to fiat, transfer it, wait, and only then make a payment. You can’t make payments as instantly and seamlessly as with electronic (fiat) payments.
- Want professional investment advice? Most financial institutions still segment clients by asset size, so ordinary users can’t access truly personalized, strategic wealth-management services.
To solve these pain points, exSat has envisioned two pillars for the bank of the future. First, ordinary users should be able to earn returns comparable to institutional investors — in other words, “Earn Smarter.” Second, everyone should have the freedom to invest in any tradable asset — or simply, “Earn Easier.”
Based on these principles, we are building a unified account system: an intelligent platform that seamlessly connects banking, investing, trading, and payments. In this system, a user needs only a single account to view, manage, and allocate all their assets easily. This experience is underpinned by asset security built on compliant custody and MPC (multi-party computation) signature technology, and by AI and large language model–powered intelligent decision-making, providing users with personalized strategy recommendations and risk management, making investing and spending more efficient and intelligent.
“The future of banking isn’t about doing more things — it’s about making complex finance simpler, smarter, and more human-centric.”
We emphasized this point throughout KBW 2025. By leveraging on-chain technology and AI, every ordinary user should be able to enjoy professional-grade wealth management and payment experiences.
TOKEN2049: Giving Real Assets Life On-Chain
After wrapping up our journey in Seoul, we headed to Singapore to join the RWA Lounge during TOKEN2049, where we explored a key question: how can real-world assets truly operate on-chain?
Our Chief Growth Officer, Joshua, shared exSat’s perspective: over the past year, RWAs have become one of the most promising bridges between traditional finance and Web3. Yet the real challenge isn’t tokenization itself — it’s enabling assets to move compliantly, securely, and freely across multiple chains.
To us, RWA is about giving real-world value a new digital life — one that strikes the right balance between regulation, verification, and liquidity. Assets must have verifiable origins, transparent custody, and the freedom to move beyond siloed ecosystems. Only then can they truly live on-chain.
At the same time, we’re pushing forward innovation within the CeDeFi model. During TOKEN2049, the exSat team met with OKX founder Star Xu to discuss deeper collaboration on CeDeFi infrastructure and compliant asset management. Through partnerships with OKX and Standard Chartered Bank (Dubai), we are building a new CeDeFi pathway that merges compliant custody with on-chain efficiency — helping asset managers find a better equilibrium between security and yield.
CeDeFi provides the institutional and technological foundation for compliant RWA tokenization, enabling real-world assets to circulate more efficiently and transparently. Building on this foundation, exSat has partnered with Fosun Wealth Holdings to bring first Hong Kong-listed RWA stocks on-chain, marking a key step toward integrating regulated financial assets into Web3.
Together, these efforts reflect a single vision: to build a global asset network that balances security with openness, allowing traditional financial value to flow more efficiently and inclusively across multi-chain systems.
Shanghai Blockchain Week: The Next Stop for Payments
In October’s Shanghai Blockchain International Week, we were invited to a panel hosted by BlockSec on “Payment Technology Innovation — New Scenarios for Blockchain FinTech.” Together with experts in fintech and Web3, we discussed the future of blockchain payments.
exSat’s CGO Joshua emphasized that in the digital economy era, payment convenience and openness are core to user experience. “Payments should not be the bottleneck of the blockchain world; they should be its bridge to the mainstream,” he said. To that end, exSat is building a unified payment network that supports many cryptocurrencies and digital assets, truly bringing “crypto payments” into everyday life.
For example, we have already advanced our payment solutions: the exSat Card launched in September supports 12 fiat currencies without requiring KYC, allowing users to spend directly from their crypto asset balances. In other words, it turns on-chain gains into spendable purchasing power.
In the future, we will roll out more payment innovations and evolve the Cards module into a complete system for earning interest on balances, payments, and trading. These innovations are not just stacking new tech; they are the practical realization of the “on-chain bank” idea. Since payments are the gateway in and out of financial services, their user experience determines how deeply the crypto economy can take root. We believe true payment freedom means not only letting assets flow, but making it effortless for everyone to use that value.
Bringing Banking Back to Its Service Core
Autumn 2025 has been a season of reflection and action for exSat. From Seoul to Singapore to Shanghai, our ongoing dialogues have proven once again that banking’s transformation is not just a matter of technology upgrades, but a return to and reshaping of its original “service” ethos.
Banks a century ago were built on trust and stability; today, we aim to add openness and intelligence on top of that foundation. The bank of the future should allow everyone to conveniently and securely manage their wealth and freely participate in the global economy. exSat is steadily moving toward this vision by connecting asset management, investment, and payments into a seamless, end-to-end solution.
