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Clear Junction Report Advocates Hybrid Rail Thinking for Programmable Money

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Clear Junction’s latest report, *Transforming Value*, outlines the **future** of finance as a hybrid system spanning traditional banks, permissioned platforms, and public programmable networks. The firm argues that programmable money, including stablecoins, is already being used in real-world transactions like cross-border payments. The **future** model, it says, is not about replacing SWIFT but integrating it with new rails. Financial institutions must adapt to regulatory differences and build control mechanisms across all channels to stay competitive. The report asks: **What is** the role of programmable money in this evolving landscape?
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