Matthew Bowen
Founder and CEO
Matthew Bowen is a banking, legal, and technology executive focused on institution-ready stablecoin and tokenized-deposit infrastructure. Formerly Vice President & Corporate Counsel at a national bank, he supported regulatory change management across deposits, payments, mortgage, and consumer lending and advised on complex federal and state frameworks, and the design and implementation of new business processes in risk controlled environments. He brings nearly a decade of blockchain and fintech experience across wallets, multisig treasuries, governance, and smart contracts—bridging early crypto/DeFi with audit-ready institutional adoption. He also has professional experience with AI technologies and ventures. B.S., University of Minnesota; J.D., Marquette University Law School.
All Sessions by Matthew Bowen
Financial Legos for Banks — The Institutional DeFi Stack
Stablecoins have crossed the $280 billion threshold, yet institutional adoption remains in its earliest innings. This session cuts through the noise — separating real-economy payment volumes from inflated headline figures — and maps the strategic roles banks can claim in the emerging on-chain money ecosystem. From deposit tokens and reserve management to programmable treasury operations and institutional DeFi, attendees will leave with a clear-eyed view of the opportunity landscape, the global regulatory mosaic taking shape under the GENIUS Act and CLARITY Act, and a practical framework for moving from board-level conversation to execution.
The Clarity Act: Overview and Analysis
This session provides an expert analysis of the Digital Asset Market CLARITY Act of 2025 (H.R. 3633), detailing how the legislation establishes a federal framework for digital asset classification, allocates jurisdiction between the SEC and CFTC, and sets registration, disclosure, custody, and market integrity standards for digital commodity exchanges, brokers, and dealers. Drawing on bill text and leading legal commentary, the discussion will examine digital commodities, ancillary assets, and payment stablecoins, alongside enhanced investor protection, AML/CFT, segregation, and insolvency safeguards. The session will also explore systemic implications, including stablecoin impacts on bank liquidity and deposit strategies, and demonstrate how the Act’s clarity enables financial institutions to operationalize tokenization, trading, custody, and payment innovation within a well-defined regulatory perimeter. Attendees will gain a comprehensive view of how enactment would transition U.S. oversight from enforcement-driven ambiguity to a structured market regime, transforming compliance architecture, competitive dynamics, and institutional participation across the digital asset ecosystem.
