Commercial payments, Eric Girard says, are a lot like FedEx: make sure every package arrives on time and undamaged, and you earn the right to do something new. Girard, Co-Head of Commercial Product at KeyBank, sits down with JD Durkin at Money 20/20 USA in Las Vegas to explain how the Cleveland-based bank is pairing a strong core with innovation in tokenized deposits and digital assets. He walks through a day in the life of a corporate treasurer and why building the rules for moving cash directly into programmable money, available 24/7 across borders, could be a real breakthrough. Girard also shares KeyBank’s simple test for AI: does it measurably save time, reduce risk or create new value for clients? He introduces KeyExpenseIQ, the bank’s new card and expense management platform that uses AI to take the pain out of chasing receipts and closing the books. And he explains why the convergence of payments, banking data and software is the trend business leaders should watch, as banking services move into AI.