- Fintechs are now utilizing blockchain infrastructure to settle transactions in seconds, reduce processing fees, and maintain control over transaction economics.
- Compliance measures such as sanctions screening, allowlists, and filtering are implemented at the sequencer layer before transactions are approved.
- OP Enterprise provides managed deployment with audit logging, monitoring, and partner integrations. Examples of companies using this infrastructure include Bitpanda, Kraken Ink, OKX, and ether.fi.
Optimism emphasizes the importance of fintechs taking ownership of the transaction layer to regain control over settlement, revenue, and compliance from traditional payment networks. The project argues that legacy payment rails result in significant fees and delays in settlement, hindering fintech growth.
By utilizing dedicated blockchain infrastructure, fintechs can settle transactions quickly, reduce processing fees, and retain revenue that would otherwise go to intermediaries. Ethereum serves as the security layer, with assets protected by validators rather than a single operator.
Compliance is integrated into the transaction layer
Optimism highlights the importance of implementing compliance measures at the sequencer layer to prevent risks before transactions are executed. OP Enterprise offers protocol-level screening, audit logging, and security monitoring to ensure regulatory compliance.
Fintechs that own infrastructure can benefit from sequencer revenue, which is the difference between user transaction fees and Ethereum settlement costs. The deployment process through OP Enterprise includes access to various partners for a comprehensive fintech operating infrastructure.