By the end of the year, banks will have a slew of blockchain-powered services that can streamline transactions, increase efficiency and streamline the process of making payments.

That will require more collaboration, says Chris Coughlan, CEO of blockchain technology consultancy Chain, Inc. “I think there’s a real opportunity for banks to really embrace the blockchain, because if you can put a bank’s entire system in one place, it’s going to be much easier to get transactions done.”

While most banking systems use centralized infrastructure, Coughlans main focus is blockchain-based solutions.

He has been working with banks on blockchain technology for several years, and recently founded a team that has been focusing on developing a banking platform that leverages blockchain to make payments.

Coughlis team, which he calls “Banks’ Biggest Secret,” is currently working on a blockchain-backed platform that allows banks to accept payments from customers with one click and reduce transaction fees by 40%.

While there are a number of blockchain solutions available to help banks make payments faster, Croughlans team believes the one that will truly take off is one that relies on blockchain’s built-in transparency and transparency that is only available through digital certificates.

“The biggest thing about digital certificates is that they can be viewed and verified and verified against a digital ledger,” Coughlas team wrote in a research note earlier this year.

“With blockchain, this is going to open up so many more possibilities for transactions to happen.”

Coughlin is quick to point out that blockchain technology is not just for banks.

Croughlis team has also worked on other banking solutions that use a combination of digital certificates and blockchain, including one that he calls a “transaction management system.”

It’s an automated system that lets customers make payments from their mobile devices.

But it also includes an interface that lets banks make transactions on-premises by setting up a transaction for each customer.

Couglis team’s other blockchain solution, the “Custodian” platform, was built to address another big problem banks face with making payments: transparency.

It lets customers upload documents to the blockchain and then send them to their banks.

That means they don’t need to keep a record of the documents themselves, and instead can just send them along with a receipt or invoice.

It also means that the document can be verified, with the sender and recipient having the ability to see if it’s been altered or forged.

That transparency can help banks understand whether their customers are being honest and make sure their transactions are done correctly.

“A lot of the time, banks are kind of doing the right thing by the people,” Croughlan says.

“They’re sending these documents, and they’re not getting anything back.”

He notes that if banks use the custodian platform to automate the process, they can save money.

“That way, if they see a change in a document that’s been submitted, they know immediately, ‘Hey, this document’s not in good shape,'” Coughls team wrote.

“So you can get that process streamlined for everybody.”

Another big advantage to digital certificates, according to Coughalls team, is that it can also be used for the payment of taxes.

“If a bank has a lot of money in their bank account, they could potentially do that through a digital certificate,” he says.

Cufflans own company, Chain, has been developing a platform that enables banks to process digital payments from a variety of platforms.

He believes the technology is ready to take off in the banking world, and he has been actively working with other banks on how to use it.

Chain is building a blockchain payment processor that is capable of accepting payments from banks.

In an email to Mashable, Cuffles team said it has received “many positive feedback” on the platform, and hopes to roll it out “in the coming months.”

Cufflis team also worked with banks to make their own digital certificate for their payments, a process that will be much simpler than the current one, Caughlis team wrote, because it only needs to be downloaded once.

“There are some challenges with making that change in the future,” Caughlas team said in the research note.

“We are working on ways to overcome these challenges, and to make it easier for banks and other parties to take advantage of this technology.”

He added that Chain is also working with bank customers on a new payment processor called the “Mobile MasterCard.”

This is a payment processor with a mobile app that can handle the payments from phones, tablets and other devices.

Caughlays team says the company is working on adding mobile payments to the platform and expects to have it out in the first quarter of 2019.

He also says that the company has a “crowdfunded project” called the Bank of Blockchain.

“Crowdfunding is very good for startups, because there’s an opportunity to raise capital for things that they may never have had the