A research-led paper by Datos, authored by Enrico Camerinelli, Strategic Advisor at Datos Insights specializing in commercial banking, cash and trade finance, and payments, examines how banks are expanding revenue through the deployment of mature ledger infrastructure across a range of use cases.
Banks today are under pressure from all sides: always-on payments, embedded finance, fintech competition, tighter ERP integration, and rapidly expanding client expectations. In this environment, virtual accounts are becoming a key revenue driver – enabling banks to deliver new treasury services, corporate structures, embedded banking capabilities, and industry-specific financial offerings.
But the real shift is happening underneath.
As Enrico Camerinelli explains:
If virtual accounts are the product that clients see, the virtual ledger is the platform underneath. It is the architectural layer that determines what a bank can build, how fast it can move, and how much value it captures across payments and embedded finance.
This is where the opportunity compounds – when virtual accounts are no longer isolated products, but part of a broader revenue-generating platform built on a modern virtual ledger.
Find out where your bank’s ledger stands today
Most institutions sit somewhere in the middle of this evolution—offering early virtual account capabilities, but still constrained by fragmented underlying infrastructure that limits speed, scalability, and monetization.
Understanding where you stand is the first step toward unlocking the next phase of growth.
Download the full Datos report to assess the maturity of virtual ledger capabilities at your bank—and identify the untapped revenue opportunities still ahead.
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