Another solution which has been proposed is to separate the role of "money gateway" and "exchange". If an exchange has a provable amount of currency on its boo

Another solution which has been proposed is to separate the role of "money gateway" and "exchange". If an exchange has a provable amount of currency on its books (of every trading on the given platform) and doesn't directly manage bank accounts, solvency "auditing" will be provable, happen in real time and the exchange would fail fast.