November 2025

Bankers' Bank of Kansas Upcoming Closures:

Thursday, December 25, 2025, in observance of Christmas. We will reopen for business on Friday, December 26.

Thursday, January 1, 2026, in observance of New Years Day. We will reopen for business on Friday, January 2. Wires and instant payment settlements received after 4:30 p.m. on Wednesday, December 31, 2025, will be posted on

Friday, January 2, 2026.

INSTANT PAYMENT HOT TAKES

with Daniel Hayden

Are You Keeping Up with the Competition?

More financial institutions are adopting instant payments and staying competitive means knowing where you stand.

Did you know the Federal Reserve and The Clearing House offer a directory that shows which financial institutions are using FedNow® and RTP®?

»FedNow® Service Participants and Service Providers

»RTP® Network Participating Financial Institutions

Check to see if your competitors are on the list:

• If they are, it may be time to level the playing field.
• If they’re not, you have a chance to stand out and lead with innovation.

Now’s the time to evaluate your strategy and consider the advantages of adopting instant payments.

Reach out to one of our relationship managers to get started:

Compliance with Fraud Monitoring by Originators, TPSPs, and ODFIs

In July 2024, we informed you about an upcoming change by NACHA that mandates institutions to implement fraud monitoring by originators, TPSPs, and ODFIs.

PATH Offers Anomaly Detection

Each institution is required to establish its own processes and procedures to ensure compliance with these new regulations. However, PATH provides a valuable tool to assist in meeting this compliance requirement: Anomaly Detection. This feature helps institutions identify ACH transactions, batches, or wires that may be flagged as suspicious activity. For further details on Anomaly Detection, please refer to the following documents that are also available on the PATH resources page:

Digitalizing the Balance Sheet: The Next Frontier in Banking

As the financial industry increasingly explores the potential of blockchain technology, one key concept gaining traction is the digitalization of the balance sheet.

While blockchain is often described as an immutable ledger, it’s more than just a record-keeping tool. It also functions as a transactional “rail” a secure, programmable infrastructure that can support traditional banking activities in a digital-native environment.

What Does It Mean to Digitalize the Balance Sheet?

Digitalizing the balance sheet involves tokenizing traditional bank assets—such as loans, certificates of deposit (CDs), or other instruments—and representing them as digital assets on a blockchain. This creates several transformative opportunities for financial institutions:

• Loan Participation: Banks can originate loans, tokenize them, and then sell participations directly on a blockchain platform.

• Tokenized CDs: Institutions could issue blockchain-based certificates of deposit, allowing for broader distribution and potential access to new investor markets.
• Faster Settlement and Enhanced Liquidity: By operating on blockchain rails, these tokenized assets could be traded, settled, and audited in real time, significantly reducing operational costs and counterparty risks.

Monitoring the Evolution

As blockchain infrastructure matures, digital balance sheet management could evolve from a theoretical concept into a mainstream practice—particularly for institutions seeking greater efficiency, transparency, and capital optimization.

At Bankers’ Bank of Kansas, we are actively researching these developments to understand their impact on community banks. While the technology is still developing, we are committed to keeping our partner banks informed, educated, and prepared for this next chapter in digital banking innovation.

Innovate 2026 Registration

Opens Monday, January 5!

"This was a great event. I loved that it focused on innovation in general. So many conferences are about one topic, but I really enjoyed talking with all the other bankers about innovation in all areas of banking."

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CASH MANAGEMENT

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Bankers' Bank of Kansas, 555 N Woodlawn BLDG 5, Wichita, KS 67208, United States