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BMW Completes First Fully Programmable On-Chain FX Payment via JPMorgan’s Kinexys

The milestone signals corporate treasury workflows shifting to automated, 24/7 settlement using preset rules.

Overview

  • BMW executed an automated EUR-to-USD transfer between Frankfurt and New York outside traditional settlement windows with no manual intervention.
  • Treasury teams at BMW pre-set conditions in JPMorgan’s Programmable Payments application to trigger movements when liquidity thresholds are reached.
  • Kinexys, JPMorgan’s permissioned blockchain network, supports 24/7 programmable payments and near-real-time FX settlement for corporate clients.
  • Integration with Treasury Management Systems such as Kyriba lets treasurers initiate on-chain deposits and FX payments from existing interfaces.
  • Network usage is expanding but remains small versus legacy rails, with reported daily Kinexys volumes in the billions compared with traditional flows in the trillions.