Transcription:Penny Crossman (00:11):Hi, I'm Penny Crossman, a technology editor of American Banker. I'm here with Caitlin Long, who is founder and CEO of Custodia Bank in Wyoming. Caitlin Long (00:31):I think that tokenized dollars will essentially obviate the ACH network in the next five to 10 years. Caitlin Long (02:04):I actually think that most demand deposits will be tokenized in the United States. And the other piece of this is that the banks right now without tokenization technologies cannot play in agentic commerce.