Institutional-scale stablecoins require a mature compliance and risk-management settlement layer; banks must trust blockchain to handle legal custody and compliance, with OSL pursuing licensed, AI-enhanced control layers for efficient settlement. Abstract: Eugene Cheung at Money 20/20 Asia argues that scaling stablecoin payments to institutional levels hinges on a licensed, AI-enhanced control layer and a mature compliance and risk-management settlement layer to ensure effective handling of legal, custody, and settlement risks. This underpins OSL’s strategy for institution-grade infrastructure and aims to build an operationally robust system that can meet complex regulatory requirements.