Programmable bank accounts: unlocking the future of finance with smart contracts

Written by Adam Feiler, Head of Partnerships @minima.global

The evolution of digital money is no longer just about making payments faster or cheaper - it’s about unlocking entirely new forms of financial interaction. One of the most significant innovations in this space is the programmable bank account, a concept that combines the flexibility of smart contracts with the reliability of established banking infrastructure. Programmable bank accounts move beyond simple transactions, embedding pre-agreed conditions directly into the payment process. This enables automatic execution of fund releases, approvals, and multi-party verification without requiring manual intervention. As businesses and individuals increasingly demand more control, transparency, and automation in their financial interactions, programmable bank accounts emerge as a practical bridge between traditional finance (TradFi) and the digital economies enabled by AI, Web3 and machine-to-machine interactions.

What makes a bank account programmable?

At its core, a programmable bank accou…