BitGo has introduced a modular bank-ready operating model to help financial institutions launch and scale digital asset capabilities within a compliance framework.
US-based BitGo has announced the introduction of a modular operating model designed to enable financial institutions to evaluate, launch, and scale digital asset services within an established legal, compliance, risk, and operational framework. The model brings together custodial wallets, trading, settlement, staking, stablecoins, wealth management, licensing, and API infrastructure in a configurable offering intended to support a range of institutional use cases.
The product is already in use at institutions including Erebor Bank, Banco de Crédito del Perú, Banco de Crédito de Bolivia, TowerBank, and InvestiFi, which supports a network of banks and credit unions.
Modular structure and institutional use cases
The operating model is structured to allow financial institutions to adopt digital asset capabilities in stages rather than through a single implementation. Core components include qualified custody and self-custody wallets with configurable policy controls and role-based approvals; a Crypto-as-a-Service layer enabling institutions to offer digital asset capabilities to their own clients while retaining control over client experience and programme design; and trading and settlement infrastructure covering liquidity access and post-trade workflows.
Additional modules cover staking infrastructure for proof-of-stake participation, stablecoin infrastructure for issuance, treasury, and on-chain payment use cases, corporate treasury solutions, and wealth management capabilities for institutions seeking to offer digital asset access through advisory or private client platforms.
Market context and regulatory backdrop
Financial institutions face a combination of client demand, corporate treasury interest in stablecoins, and increasingly defined regulatory frameworks that are collectively increasing pressure to engage with digital assets. At the same time, many banks lack the internal infrastructure and operational controls required to move into this space at pace. BitGo's modular approach is positioned as a means of closing that gap without requiring institutions to build proprietary infrastructure or commit to a fixed implementation scope upfront.
The model allows institutions to retain governance over their own client relationships and internal policies while drawing on BitGo's underlying infrastructure and operational framework. This is particularly relevant as regulators in the US and other jurisdictions continue to develop clearer guidance on bank participation in digital asset markets.
No pricing details or figures on assets under custody have been disclosed in connection with the announcement.
