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20th of January 2026

Rethinking Payments – Wholesale Settlement Solutions as an Anchor

Strengthening Europe’s Sovereignty in Interbank Payments through Blockchain with a Distribution Solution!

This paper examines the Eurosystem’s initiatives Pontes and Appia and explains why today’s architectural choices will shape Europe’s financial sovereignty tomorrow. It makes the case for a distribution-based approach as the most effective way to combine innovation, efficiency, and robust regulatory control.

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The Association of German Banks in numbers

180

Employees work for the Association of German Banks

3

locations. We work in Berlin, Brussels and Frankfurt/Main.

171

members are part of our association, mainly private banks operating in Germany.

21

Fintechs are among our members