Digital capital markets continue to emerge with the support of evolving blockchain frameworks, combined with focused securities, offering further efficiencies.
Blockchain frameworks are established as a foundational technology for fintechs to enhance their offerings and promote decentralization, security, and scalability. In 2026, as digital capital markets continue to evolve and grow, developers are searching for the best frameworks to create, test, develop, and deploy blockchain applications.
By 2025, an estimated 560 million people worldwide will be using blockchain or related technologies, and 87% of financial institutions are leveraging blockchain to reduce costs and friction in back-end operations.
Major financial institutions are moving forward with blockchain-based payment systems. JPMorgan is expanding blockchain payments solutions to partner banks and enterprises through its blockchain arm Kinexys, and Bank of America, Citigroup, and HSBC are participating in a SWIFT-led blockchain payments pilot.
Osama Bari, chief technology officer at D24 Fintech, said: “As we look towards 2026, fintechs need to look back at blockchain frameworks, which have had the most impact on the adoption of smart contracts and cryptocurrencies, along with decentralized applications and financial platforms.”
According to Bari, there are five major blockchain frameworks that fintech leaders and their teams need to be aware of.
corda
Developed by R3, Corda is an open source framework designed for creating financial dApps, healthcare insurance, and more.
“Corda has a unique architecture compared to other frameworks because it is designed not only for cryptocurrencies, but also for the real world in regulated industries such as banking and finance,” Bari continued. Corda’s unique architecture enables advanced security and privacy, interoperability, scalability, and regulatory compliance, making it an ideal blockchain framework for the fintech industry. It allows financial institutions to conduct transactions while keeping their data private and secure, making it a popular choice for jobs at large banks and fintechs.
“The framework also integrates well with existing systems and is actively used in live enterprise projects to modernize infrastructure and reduce costs.”
EOSIO
EOSIO is an open source permissioned blockchain framework founded in 2018 by Block.one that supports public and private blockchain networks.
“This framework is known for being flexible and enterprise-friendly in supporting and building decentralized apps,” Bari added. “EOSIO is popular for working around a Delegated Proof-of-Stake (DPoS) consensus model that enables extended transaction rates. EOSIO allows fintech companies to build private and public blockchain solutions with architectures that support reduced-fee transactions, developer-friendly tools, and flexible permissions.
“The framework continues to evolve, and its performance, developer ecosystem, and focus on real-world use cases make it stand out in a blockchain community that has grown to over 6 million accounts worldwide.”
hyperledger fabric
Established by the Linux Foundation in 2017 under Hyperledger, the blockchain framework stands out as an open-source, permissioned private framework for use by organizations that require privacy, authorized access, and a high degree of control over their data.
Bari continued, “Hyperledger Fabric is a well-known and widely trusted framework that allows institutions to create private channels, define custom rules, and easily integrate with IT systems already in place. In recent years, the framework’s focus on real-world blockchain deployments has led to consistent support from leading tech companies, with an estimated 9,535 developers using the framework.”
Ethereum
Introduced in 2015, Ethereum is the most adopted blockchain platform for building decentralized and smart apps, with 16,000 new developers joining in 2025.
“This framework, unlike other frameworks, is publicly open and decentralized, so anyone can access applications created with this framework,” Bari added. “Ethereum continues to upgrade with the recently introduced Ethereum 2.0, establishing itself as a key driver of innovation in 2026 by bridging enterprise use and consumer-facing decentralized apps.
“The Ethereum virtual machine has become a popular choice for fintechs thanks to its ability to facilitate the seamless creation of decentralized applications. With 3,000 active decentralized applications, the framework hosts the broadest decentralized network and market share of all blockchains, and is used to build and develop decentralized exchanges, digital assets, and stablecoins.”
XRP Ledger
Finally, we have the XRP Ledger, one of the most prominent frameworks available. When the framework was founded by Ripple CEO Chris Larsen in 2012, it was intended to serve as a global payments infrastructure.
“XRP has continued to make waves since its inception, focusing on low-cost cross-border payments for fintechs, banks, and financial institutions,” Bari continued. “What is unique about XRP is that it is designed to allow instant transfers between currencies with low fees. We have continued to see Ripple partner with large financial institutions and use the XRP framework to streamline transfers, reduce dependence on legacy systems, and improve liquidity management.
“This framework will continue to have a broad impact in 2026, processing millions of transactions per day in 2025, with average daily transactions between Q1 and Q3 ranging from 450,000 to 1.8 million.”
“As it stands, blockchain frameworks are becoming the cornerstone of fintech innovation, helping applications achieve security, scalability, efficiency, and transparency. 2026 will be a pivotal year for blockchain and fintech developers, with all “Blockchain may still be in its infancy, but each framework has its own unique characteristics, and fintechs will be left behind if they fail to join the blockchain race.”
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