OTL’s first apps are boring in the way institutional rails are valuable: Universal Deposit and Wallet Attribution target the pre-settlement step where counterparties verify wallet control and Travel Rule context before money moves. If Robinhood, Securitize, Cross River, Fireblocks, MetaMask and the six BPC chains converge on one DID/IVMS101/ISO 20022/CAIP-19 stack, every bespoke VASP integration starts looking like technical debt. The reference implementations matter more than the partner slide; neutrality lives or dies on whether non-Fireblocks shops can implement the spec without inheriting a vendor-shaped policy layer.

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