A new whitepaper proposes a regulated blockchain infrastructure as the solution to the challenges facing global finance, offering a secure, efficient, and transparent financial system that balances innovation with oversight.
The paper, Regulated Blockchain: Infrastructure for Regulated DeFi, is authored by fintech expert Obi Emetarom, CEO and co-founder of Zone. It outlines a framework for a Regulated Internet of Value, where financial services can operate seamlessly within a blockchain-powered ecosystem under regulatory supervision.
Challenges Facing Global Finance
The financial sector is at a crossroads. While digital financial services have improved accessibility and convenience, they also present new risks. These include high transaction costs, regulatory uncertainty, and fraud.
Traditional finance (TradFi) remains expensive and slow. According to the World Bank, global remittance fees averaged 6.2% in 2023, more than double the 3% target set by the United Nations Sustainable Development Goals (SDGs).
Meanwhile, decentralised finance (DeFi) has struggled with trust, oversight, and security. In 2023 alone, crypto-related fraud and hacks cost the industry over $1.8 billion, according to Chainalysis.
A Regulated Blockchain Solution
Emetarom’s whitepaper argues that a Regulated Blockchain Infrastructure could bridge the gap between TradFi and DeFi. The system integrates blockchain technology with clear regulatory frameworks, allowing banks, fintech firms, and payment providers to use blockchain securely while meeting compliance requirements.
Unlike cryptocurrencies that operate outside government control, Regulated Blockchain enables financial institutions to conduct transactions faster, cheaper, and more securely. The technology also supports real-time regulatory oversight, helping to prevent fraud and illegal financial activities.
“The world cannot afford to rely on outdated financial models,” said Obi Emetarom. “This whitepaper is a call to action for policymakers, financial institutions, and innovators to reshape finance into a secure and inclusive ecosystem.”
Transforming Financial Services
The whitepaper highlights how Regulated Blockchain Infrastructure can:
- Lower transaction costs and improve financial accessibility
- Increase security by embedding compliance into blockchain technology
- Enable automated financial products for seamless payments and investments
- Improve regulatory efficiency by providing real-time oversight and risk management
For central banks and regulators, the system offers a structured framework for monitoring transactions and mitigating risks without stifling innovation. Fintech firms can benefit from a regulated pathway to adopt blockchain technology without regulatory conflicts.
Momentum Towards Blockchain Regulation
The paper’s proposals come as Central Bank Digital Currencies (CBDCs) gain traction. According to the Atlantic Council, over 130 countries are now piloting CBDCs, reflecting growing institutional interest in blockchain-based financial systems.
Emetarom envisions a future where multiple Regulated Blockchains interconnect, forming a Regulated Internet of Value that powers a fully digital, automated economy.
With technological advancements accelerating, financial institutions and regulators must act now to ensure a secure, inclusive, and efficient financial future. The Regulated Blockchain whitepaper provides a roadmap for achieving this transformation.
