Galoy is stepping up the push for US banks at a time when many institutions still struggle with how, bring Bitcoin into their products.
Ahead of this week’s Bitcoin 2026 conference in Las Vegas, Galoy has unveiled an expanded version of its Bitcoin banking platform, aiming to transform the effort into something closer to an integrated banking and credit union system.
The changes include six use cases for one channel: Bitcoin-backed lending, Lightning chargesstablecoin payments compatible with emerging regulations, Bitcoin exchange under OCC’s risk-free model, storage options, and stable wallet architecture.
Instead of replacing existing systems, Galoy said the software works like a “sidecar,” a layer that sits next to the old tracks. This arrangement reflects what is happening in many organizations, where major changes remain years in the making that few want to do.
For many banks, the most attractive place would be Lending with the help of BTC. The sounds are clear. Lenders already understand mortgage loans tied to property or real estate. Bitcoin brings volatility, but its form follows existing trends.
What has been lacking are tools that can handle real-time monitoring and eliminate triggers without adding complexity. Galoy’s platform leans into that space, offering LTV tracking, accounting systems, and approval services that match the credit criteria.
Dealing with the uncertainty of bitcoin
The company also introduced three tools that are supposed to overcome the obstacle that is still: uncertainty.
Controls culture in the US it has changed the tone but it is difficult. Galoy’s “Regulatory Radar” consolidates guidance from federal and state sources into a summary of clear language, agreeing with target groups that require as much interpretation as information.
Meanwhile, its “Portfolio Analyzer” and “LTV Risk Scenarios” tools address a major concern within banks: how BTC exposure reacts in a crisis. By pre-entering data from thousands of US financial institutions, the analyst allows managers to see how a Bitcoin lending book might fit their budget.
The instrument of risk activity continues to evolve, depending on the rate of growth of bonds and funds.
Behind the product expansion is a broader change in tone across the industry. A few years ago, Bitcoin in banking was often housed in new labs or pilot programs. Now, the discussion has moved closer to the lines of money and risk committees. This change results in a different assessment.
Last year, Galoy he started Lana, software that helps small banks to offer loans backed by bitcoin, aims to increase access and lower borrowing costs as more institutions enter the market.
