Integration Complexity : Legacy systems—SWIFT, core banking platforms, ERPs—cannot communicate with blockchain networks without extensive custom development. Integration typically consumes 60-80% of project budgets. Compliance Fragmentation : Regulatory rules must be manually coded into smart contracts, creating compliance logic that is difficult to audit, update, or adapt across jurisdictions. Operational Gaps : Real-time monitoring, policy enforcement, and audit trail requirements are bolted on rather than embedded, creating security and compliance vulnerabilities. Procurement Friction : Consumption-based pricing models and per-developer licensing conflict with how regulated institutions budget for infrastructure. The result: pilot projects that demonstrate technical feasibility but cannot scale to production because the underlying architecture was never designed for regulated environments.
This diagram illustrates the structural difference between reactive blockchain integration approaches—characterized by bespoke integration code, isolated smart contracts, and manual compliance review—and a governed execution architecture. The COBI model consolidates process definition, policy enforcement, and execution control into a unified control plane, eliminating fragmentation and ensuring consistent regulatory enforcement across all transactions.
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