Written by Adam Feiler, Head of Partnerships @minima.global. Programmable bank accounts integrate smart contracts with traditional banking, so enabling automated, rule-based transactions without manual intervention. They enhance efficiency, transparency and security in financial operations by allowing pre-authorised payments, escrow management and multi-signature approvals. Smart contracts execute transactions based on predefined conditions, reducing friction in areas such as supply chain finance, cross-border payments and subscription management. By keeping programmable logic separate from banking infrastructure, compliance and innovation can coexist, paving the way for fully programmable digital money and greater financial automation.