First US Bank Integrates Bitcoin Lightning Network

The web3, cryptocurrency and blockchain markets moved fast in August 2025 and we’re covering Bitcoin’s rise, Wyoming’s state-backed coin, SoFi joining the Lightning Network, and Circle’s new Layer 1.

Host Tedd Huff teams up with Confidential Informant: Robert Musiala to unpack the GENIUS Act, stablecoin rules, bank use of Lightning, market structure, compliance shifts, custody standards, and global licensing moves that shaped August.

You get what changed, why it matters now, and how to apply it. You get a clear read on why Bitcoin strength ties to supply behavior, how monthly reserve disclosures affect stablecoin design, and why a bank’s Lightning rollout cuts payment friction.

The episode also covers risk programs moving to dynamic monitoring, custody standards that require segregation and clean recovery plans, and how Hong Kong licensing impacts cross-border builds.

TAKEAWAYS

1️⃣ Document Developer Programming Decisions

2️⃣ Monitor Wyoming’s FRNT Ten Billion Threshold

3️⃣ Assess EVM Compatibility Standards:

4️⃣ Prepare for Supervisory Examinations

5️⃣ Leverage Custody Guidance Roadmaps

LINKS

Confidential Informant:

Robert A. Musiala Jr., LinkedIn: https://www.linkedin.com/in/robert-a-musiala-jr-esq-cfcs-b6534bb/

Firm Profile: https://www.bakerlaw.com/professionals/robert-a-musiala-jr/

The Blockchain Monitor: https://www.theblockchainmonitor.com/

BakerHostetler: https://www.bakerlaw.com/

Fintech Confidential

YouTube: https://fintechconfidential.com/watch

Podcast: https://fintechconfidential.com/listen

Notifications: https://fintechconfidential.com/access

LinkedIn: https://www.linkedin.com/company/fintechconfidential

X: https://X.com/FTconfidential

Instagram: https://www.instagram.com/fintechconfidential

Facebook: https://www.facebook.com/fintechconfidential

SUPPORTERS

Dfns: Wallets as a service with API-first, multi-chain design secured with MPC; powers crypto payments across 50+ networks. Request demo: https://fintechconfidential.com/dfns

Skyflow: Zero-trust data privacy vaults as an API to collect, secure, and tokenize personal information while keeping compliance and usability. Learn more: https://skyflowsecure.com

Hawk AI: Real-time screening, ML monitoring, and dynamic customer risk ratings to strengthen fraud and financial-crime prevention. Sign up for demo: https://gethawkai.com

ABOUT

Confidential Informant: Robert Musiala has worked in the crypto assets market since 2012. He has led major investigations, advised on compliance and product agreements across Web3 and NFTs, and co-leads BakerHostetler’s Web3 and assets team. He also authors The Blockchain Monitor with weekly legal insights.

BakerHostetler: A U.S. law firm advising clients from startups to Fortune 500 on blockchain-related matters, policy, compliance, and risk.

Host: Tedd Huff is Founder & CEO of Voalyre and DD3 Media and hosts Fintech Confidential, bringing clear, practical conversations on how money moves.

DD3 Media: A media creation, management, and production company delivering engaging fintech and Web3 content.

CHAPTERS

00:00 Highlights

01:15 Dfns - Wallets as a service (sponsor)

02:36 Intro

03:06 Regulatory Landscape and Institutional Adoption

03:39 Market Context

06:01 Technological Innovations in Blockchain and Finance

09:08 Stablecoins and Their Impact on Financial Systems

12:04 The Future of Banking and Digital Assets

14:52 Challenges and Opportunities in Crypto Regulation

17:51 The Evolution of Financial Institutions in the Crypto Space

29:57 Regulatory Landscape of Digital Assets

30:19 Skyflow - Privacy has an API (sponsor)

36:12 The Genius Act and Its Implications

43:48 Global Perspectives on Stablecoin Regulation

51:55 Innovation vs. Regulation in the EU

57:41 The Future of Digital Assets and Banking

59:16 Conclusion and Final Thoughts

01:00:26 Hawk AI (sponsor)

01:01:12 Disclaimer