Whether a custom fintech blockchain is better than IBM software crypto banking depends on specific business needs and requirements. Custom fintech blockchains offer tailored solutions designed precisely to a company's unique needs, providing flexibility and specific features that off-the-shelf solutions like IBM might not offer. However, IBM's solutions are backed by extensive research, established infrastructure, and support, making them reliable and secure for enterprises that require proven, scalable solutions. IBM also provides an integration-friendly platform that can reduce development time and ensure compliance with regulatory standards. Thus, the choice between custom and IBM solutions should be based on the balance between the need for customization and the benefits of a robust, tested platform.