Currently, the US Department of Energy has signed off on standards for banking rules.

https://www.govinfo.gov/content/pkg/FR-2021-11-23/pdf/2021-25510.pdf

If Alby were to implement the systems for the digital standards in this document, banks across America would legally be allowed to accept lightning deposits and run their lightning nodes for every global USD account.

This would also solve the dilemma every financial exchange is trying to handle with 'tokenization' regulatory non-sense. The federal reserve and treasury are so incompetent the russians and half the world are also trying to build BRICS systems.

Alby can do it better.

If you add up the total money moving through these 212 billion transactions, it exceeds $2 quadrillion ($2,000,000,000,000,000) per year.

Fedwire transfers: Over $1.1 quadrillion.

ACH bank clearing: Over $80 trillion.

Retail card swipes: Over $10 trillion.