Bala Nagaraj is a technologist with extensive experience in banking, product and venture building, and consulting. He pioneered Commerzbank’s blockchain activities and now serves as Senior Manager at Neosfer, Commerzbank’s innovation unit, where he translates developments in stablecoins and digital assets into compliant, enterprise‑grade solutions. Recent work includes orchestrating payment rails with stablecoins and optimizing treasury flows using tokenised deposits. He focuses on taking proofs‑of‑concept to production for corporates and institutional stakeholders.