We’re proud to share that Multimodal was selected as one of the top 4 winners in the Kansas Bankers Assn Association (KBA) NXTUS Accelerator after the final pitch! 🥂 We entered the program with an incredible group of companies, made it to the final round as one of nine finalists, and then KBA selected us as a top four winner. Our VP of Sales, Nicholas Bianchi represented us and this recognition means a lot, not just to our team, but to the kind of work we’re building toward. Because what this really represents is momentum: → more banks looking for practical AI adoption (not just experimentation) → more urgency around fixing operational bottlenecks → more openness to modernizing how critical work gets done across lending, ops, and compliance Big moment for us. Even bigger opportunity in front of us. #Multimodal# #AgenticAI# #BankingInnovation# #CommunityBanks# #CreditUni#

Community banks deserve advanced tools to keep their operations safe. Through Daybreak for Frontline Defenders, we’re partnering with @ICBA to help community banks access AI-powered cyber defenses—and the training and support to use them.

Some community banks are suggesting stablecoins are driving deposit flight. The data says otherwise: BofA shows household deposits rising across income groups this year, and the FDIC reports domestic deposits grew for a seventh straight quarter. Community banks actually outperformed the industry, posting 5% deposit growth. If the worry is the Clarity Act compromise itself, that’s backwards. Section 404 bars stablecoin issuers from paying anything that functions like interest, even disguised as rewards or points, and bans marketing stablecoins as deposits or FDIC-insured. It’s actually tougher than current law, not looser. The real story behind closing community banks isn’t stablecoins. It’s consolidation: 2,000 community banks lost in a decade, only 62 new ones formed, and the buyers are super regional banks, not crypto companies. The Banking Committee already built a nine-provision community bank package into the housing bill to help with deposit retention, on top of tightening stablecoin yield rules under Clarity. Killing the Clarity Act won’t help community banks. It just protects the status quo they say is broken.

The OCC wants community banks to think about getting its sign-off to issue stablecoins under the GENIUS Act, either themselves or via a subsidiary. They'll have to wait: the agency can't take applications until OMB approves its forms.

How do community banks compete with billion-dollar tech budgets? Abrigo's Ravikumar Nemalikanti explains how his team brings enterprise-grade agentic AI to 2,400 financial institutions with AWS Bedrock & Agent Core. If you’re exploring AI in regulated industries, this one’s for you.

The OCC is encouraging US community banks to apply to issue their own stablecoins ahead of the GENIUS Act on 18 January. Issuing is the easy part. Reserves, custody and compliance are the work. On AEREDIUM, they’re one system, with reserves checked every 60 seconds.

Coinbase Adds Stablecoin Rail Integration for Community Banking @Coinbase has collaborated with @Moov to offer more than 1,000 small and community banks the technology that allows for stablecoin payments, settlement, and instant funding. Through this project, crypto-native payment functionality will be embedded into the current technology stack that these organizations use, rather than having to set up an entirely different system. The integration of stablecoins within these balance sheets is made easier with this technology rollout.