Somewhere in a financial institution right now, a digital asset strategy sits approved but unexecuted. The board signed off. The budget is allocated. The partners are selected. But the head of product is staring at an 18-24 month timeline, a huge amount of resourcing to support the project, potentially having to remove existing systems, and the growing realization that even if they build it, the system likely won't scale beyond a certain point, and they will be bound to some sort of vendor lock-in.
