Here’s a structured multi-week plan for the theme “Do we still need traditional banks ? Let’s imagine a bank entirely on the blockchain, 100% Midnight.” It’s designed for a presentation series, workshop, or course over several weeks.

First online workshop ( theme “Do we still need traditional banks ?“, online networking, duration: 1 hour ) on Friday, March 27, 2026, at 12:30 PM UTC (London time). A Telegram group will be created during the session. Registration is available via the following form ( price 10 GBP ) :

https://forms.gle/ENRBxg4rGTFJuMKcA

Please see the list of registered participants:
https://docs.google.com/spreadsheets/d/1jSKvnYj5Yg5jIv-KxibXnSDf2GwR9HcE_hE24lg40oI/edit?resourcekey=&gid=940795672#gid=940795672

Week 1 – Introduction & Context

Theme: Do we still need traditional banks ?
Goals:

• Introduce the topic of decentralized finance (DeFi)
• Compare traditional banking vs blockchain banking
• Introduce Cardano & Midnight as foundational tech

Activities:

• Lecture: History of banking & digital finance evolution
• Case study discussion: Failures and inefficiencies in traditional banks
• Reading: Basics of blockchain, Cardano, and Midnight

Deliverables:

• Short reflection: “What functions of traditional banks could be fully digitalized?”

Week 2 – Understanding Blockchain & Midnight

Theme: Technology behind a fully blockchain-based bank
Goals:

• Explain blockchain architecture (Cardano)
• Explore Midnight as a privacy layer
• Understand Zero-Knowledge Proofs (ZKP) and smart contracts

Activities:

• Interactive diagram walkthrough of Cardano + Midnight
• Demo of a confidential transaction (ZKP)
• Group discussion: Privacy vs transparency in banking

Deliverables:

• Concept map: How Midnight integrates with Cardano and users

Week 3 – Services of a 100% Midnight Bank

Theme: What services can a fully blockchain-based bank provide?
Goals:

• List core banking services (accounts, payments, loans, KYC, tokenization)
• Show how each service can be digitized on Midnight
• Explore pros & cons vs traditional banking

Activities:

• Workshop: Design a customer journey on a fully digital bank
• Brainstorm: What services are difficult to replicate on blockchain?

Deliverables:

• Diagram: 100% Midnight bank services workflow

Week 4 – Client & Regulator Perspective

Theme: Stakeholders in a 100% Midnight bank
Goals:

• Understand how clients interact via apps
• Explain selective disclosure for regulators
• Discuss compliance challenges (AML, KYC, CBDCs)

Activities:

• Role-play: Clients, bank, regulators
• Q&A on regulatory constraints for fully digital banking

Deliverables:

• Table: Stakeholders and their access/permissions in Midnight

Week 5 – Security, Privacy, and Trust

Theme: Risks and safeguards in a fully digital bank
Goals:

• Explore security threats: hacking, key management, fraud
• Discuss privacy protection via ZKP
• Compare trust models: centralized vs decentralized

Activities:

• Security case study: Blockchain hacks and lessons
• Discussion: Can users trust a 100% Midnight bank without a physical branch?

Deliverables:

• Risk assessment chart for digital bank

Week 6 – Challenges & Limitations

Theme: Can we realistically replace traditional banks?
Goals:

• Identify technical, economic, and regulatory limitations
• Discuss adoption hurdles for customers & institutions
• Explore interoperability with existing financial systems

Activities:

• Group debate: “Will traditional banks disappear or evolve?”
• Brainstorm: Hybrid models between Midnight and legacy banks

Deliverables:

• SWOT analysis (Strengths, Weaknesses, Opportunities, Threats) of a 100% Midnight bank

Week 7 – Future Vision & Implementation

Theme: Designing a fully operational blockchain bank
Goals:

• Present full conceptual plan of a 100% Midnight bank
• Discuss infrastructure, UX, governance, and scalability
• Explore potential market impact

Activities:

• Final project: Draw full architecture (clients, Midnight, Cardano, regulators, services)
• Presentation of team projects

Deliverables:

• Final infographic + written concept of 100% Midnight bank

Week 8 – Reflection & Discussion

Theme: Implications of blockchain banking on society
Goals:

• Reflect on societal impact, financial inclusion, privacy, and regulation
• Discuss next steps for blockchain adoption in mainstream finance

Activities:

• Panel discussion / guest speaker from blockchain industry
• Open forum for questions & future predictions

Deliverables:

• Final essay or discussion post: “Could we live without traditional banks?”