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White Papers


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February 19, 2026

Bridging the Real-Time Gap: Modernizing Legacy Banking Cores Without Replacement

In this exclusive Cornerstone Advisors white paper, discover how Digital Twin technology enables real-time payments without replacing your core. The paper outlines a practical roadmap for future-proofing your institution as instant, tokenized, and programmable payments become the norm.

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February 3, 2026

Pix by the Numbers Q4 2025

Pix processed 79.8 billion transactions in 2025, with December alone hitting 7.9 billion transactions. Pix now handles 3.7x more transactions than credit cards, reshaping Brazil’s payments landscape.

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November 14, 2025

QR Codes: Unlocking Instant Payments

In this exclusive Cornerstone Advisors white paper, discover how QR codes will accelerate adoption of FedNow and RTP, transforming instant payments from a back-end innovation into an everyday reality for consumers, merchants, and financial institutions.

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October 20, 2025

Unlocking Growth in the Stablecoin Era

Explore how banks and credit unions can protect deposits and stay competitive in the stablecoin era. This strategy playbook outlines four practical models to help financial institutions embrace digital assets without overhauling their core systems.

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September 9, 2025

Monetizing Faster Payments

This exclusive Cornerstone Advisors white paper uncovers why banks are falling short on faster payments monetization, and how they can capture the opportunity in commercial, small-business, and treasury markets.

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August 14, 2025

Pix by the Numbers Q2 2025

Discover how Pix reached 6.5B monthly transactions, with rapid B2B growth, shifting consumer behavior, and innovations like Tap-to-Pay and wearable payments.

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May 20, 2025

Instant Payments Pulse May 2025

This whitepaper explores the state of instant payments in 2025, the critical role of interoperability and ease of use, and the infrastructure challenges facing financial institutions today.

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May 15, 2025

Solving the BaaS Ledger Challenges

This exclusive Cornerstone Advisors report reveals the six critical ledgering challenges sponsor banks face today—and how a new solution is emerging: the Digital Twin.

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April 10, 2025

Pix by the Numbers Q1 2025

With over 6 billion transactions in March 2025, Pix volume is 2.5X that of credit cards in Brazil.

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January 30, 2025

Unlocking Innovation in Financial Services

Learn about a practical solution for banks grappling with the challenges of modernization.

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January 30, 2025

The Pix Story; A Glimpse Into The Future of Instant Payments in the U.S.

How did the Pix instant payments scheme in Brazil become such a success?

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January 20, 2025

Pix by the Numbers Q4 2024

Launched just 4 years ago, Pix has quickly become the most widely used payment system in Brazil.