Kinexys digital payments network gains traction across global finance as gaints tap into blockchain

Atlanta-based commercial real estate services firm Trimont has adopted the Kinexys Digital Payments network for the first time, marking a significant step in blockchain’s integration into mainstream finance. The company began using the platform in August and expects to scale its usage over the coming year, CEO Bill Sexton confirmed in an interview with Bloomberg.

The Kinexys Digital Payments network, developed by JPMorgan, is designed to streamline how companies process and distribute funds. By automating tasks such as identifying incoming payments, verifying transaction amounts, and routing money to lenders, Kinexys cuts processing time from as long as two days to just minutes.

“There is significant financial benefit to our clients being able to receive the payments two days earlier,” — Bill Sexton, CEO, Trimont.

How Kinexys changes corporate cash flow

The speed advantage offered by the Kinexys Digital Payments network is particularly important for loan servicing, where delayed payments can affect liquidity across portfolios. For Trimont, which oversees billions in commercial real estate loans, faster settlement creates tangible efficiency gains for both lenders and borrowers.

The network currently processes around $3 billion in daily transactions. While that is a fraction of JPMorgan’s broader $10 trillion daily payment volume, it highlights how blockchain-enabled rails are carving a niche in areas where traditional banking systems fall short.

“It’s the ability to embed software in money and make money smart,” — Naveen Mallela, global co-head of Kinexys.

Mallela explained that the Kinexys Digital Payments network brings programmability to money, allowing firms to pre-set conditions for automated transfers. This development enables cash to move 24/7, untethered from the rigid settlement windows of legacy banking systems.

Regulatory backdrop and industry adoption

The push for blockchain-based payments like the Kinexys Digital Payments network comes as governments around the world weigh new frameworks for digital assets and stablecoins. Companies see programmable payments as a hedge against regulatory fragmentation, while offering customers more flexibility and speed.

“Programmable payment rails are gaining traction because they address two things markets demand — efficiency and compliance,” — Sheila Warren, CEO of the Crypto Council for Innovation, in remarks to CoinDesk.

Kinexys, launched in 2019, expanded to programmable payments in 2023. The timing coincides with rising pressure on banks and payment providers to offer round-the-clock settlement options as global commerce accelerates. For institutional players, these changes could mark the early stages of an industry-wide shift from batch-based payments to blockchain-enabled real-time transactions.

Payments industry shifts toward digital assets

Trimont’s move to the Kinexys Digital Payments network is part of a broader trend in financial technology, where payment firms are increasingly integrating blockchain and crypto infrastructure. In May, crypto payments startup Mesh launched an Apple Pay integration, allowing merchants to accept crypto seamlessly through mainstream wallets.

Global payments giant Stripe also announced in April that it is developing a U.S. dollar-backed stablecoin, targeting cross-border businesses excluded from traditional markets. The initiative follows Stripe’s regulatory approval to acquire Bridge, a stablecoin network positioned as a potential rival to SWIFT.

Meanwhile, high-profile figures in tech continue to advocate for crypto payments. Jack Dorsey, former Twitter CEO and co-founder of Block, urged Signal Messenger earlier this year to adopt Bitcoin for peer-to-peer transfers. David Marcus, CEO of Lightspark and former PayPal president, echoed the sentiment, arguing that “all non-transactional apps should connect to Bitcoin.”

What it means for crypto investors

For crypto investors, the growth of platforms like the Kinexys Digital Payments network signals how blockchain is maturing beyond speculation and into real-world utility. While adoption remains limited compared to traditional rails, each successful deployment strengthens the case for blockchain-based settlement as a permanent fixture in global finance.

Trimont’s adoption of Kinexys suggests that institutional players are increasingly open to experimenting with blockchain solutions that improve efficiency and liquidity. For investors, this could serve as an early indicator of how financial rails may evolve over the next decade with programmable, blockchain-based systems gradually supplementing or even replacing legacy infrastructure.