Galloway is expanding its reach in U.S. banking at a time when many institutions are still grappling with how, or whether, to do so. Bringing Bitcoin into their product suite.
Ahead of the Bitcoin 2026 conference this week in Las Vegas, Galloway The company has unveiled an expanded version of its Bitcoin-based core banking platform, aiming to transform a fragmented set of experiences into something closer to a cohesive operating model for banks and credit unions.
The update brings together six core use cases into one system: Bitcoin-backed lending, Lightning paymentsstablecoin payments are aligned with emerging legislative frameworks, Bitcoin exchanges under the OCC’s risk-free master model, custodial options, and integrated wallet infrastructure.
Instead of replacing existing platforms, Galloway said the software acts as a “sidecar,” a layer that sits alongside the old rails. This framing reflects a reality within most organizations, where replacing critical infrastructure remains a multi-year effort that few people are willing to undertake.
For many banks, the most obvious entry point may be… Bitcoin-backed lending. The logic sounds familiar. Lenders already understand secured loans linked to stocks or real estate. Bitcoin offers volatility, but the structure is consistent with current credit practices.
What was missing were tools that could handle real-time collateral monitoring and liquidation triggers without adding operational pressures. Galloway’s platform aims to fill this gap, offering LTV tracking, accounting systems, and approval workflows that resemble traditional credit processes.
Addressing uncertainty in Bitcoin
The company also introduced three tools aimed at tackling a quieter obstacle: uncertainty.
Organizational Position in the United States Her tone had changed but remained complex. Galloway’s “Regulatory Radar” compiles guidance from federal and state agencies into plain-language summaries, a signal to compliance teams that needs interpretation as much as preliminary information.
Meanwhile, the Portfolio Analyst and LTV Risk Scenarios tools speak to a deeper concern within banks: how Bitcoin exposure behaves under pressure. By pre-loading data from thousands of US financial institutions, the analyst allows executives to see how Bitcoin’s lending book might fit into their balance sheet.
The Risk Scenarios tool goes further, modeling how sharp price movements can be impacted by collateral and capital.
Behind the product expansion lies a broader shift in tone across the industry. A few years ago, Bitcoin in banking often lived in innovation labs or pilot programs. Now, the conversation has moved closer to revenue lines and risk committees. This shift brings a different kind of scrutiny.
Last year Galway Fired Lana, a program that enables small banks to offer loans backed by Bitcoin, aims to expand access and reduce high borrowing rates as more institutions enter the market.
