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Expert opinions

Muhammad Qasim

Muhammad Qasim Senior Software Developer at PSPC

XMR Prospects to 2030 : The Future of Privacy, Decentralization, and Financial Sovereignty

In the developing world of cryptocurrencies, few have remained ideologically pure and technically sound as resolutely as Monero (XMR). As a cryptocurrency intended to prioritize decentralization and anonymity, Monero is unique among mainstream blockchains that increasingly compromise anonymity for regulation. As the globe becomes increasingly pola...

/crypto /markets Cryptocurrency Insights

Mete Feridun

Mete Feridun Chair at EMU Centre for Financial Regulation and Risk

System Stress, Market Makers, and the Largest Crypto Liquidation Ever: Regulatory Lessons

On the night of October 10–11, right after traditional markets had closed, U.S. President Trump’s comments threatening a sharp increase in tariffs on China triggered an immediate “risk-off” move across global markets. The timing was crucial: the remarks came within minutes of market close, when liquidity was already thin, and they explicitly refer...

/regulation /crypto Cryptocurrency Insights

Peter Curk

Peter Curk CEO at Iconomi Ltd

Could the EU’s cryptocurrency regulations be good for the UK?

When the European Union (EU) introduced the Markets in Crypto-Assets (MiCA) regulation, it achieved a world-first. While regulation of the cryptocurrency space has been discussed for a number of years and is widely viewed as an essential step to combat fraud and a preponderance of bad actors, no other territory has yet taken any firm action. But w...

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Shanice Octavia

Shanice Octavia Marketing Associate at Fly Fairly

Why Stablecoin Growth Is a Wake-Up Call for Travel Payments

The $1 Trillion Shift A new report from Standard Chartered estimates that as much as $1 trillion could leave emerging-market banks and move into stablecoins within the next three years. That’s not just a banking headline. It signals a deeper change in how people trust money. In regions where currency crises are common, stablecoins are increasingly...

/crypto /markets

Sergio Artimenia

Sergio Artimenia CEO at Geomotiv

Private Sector Tests Stablecoin Welfare: What Coinbase's NYC Pilot Reveals

A new pilot program in New York City is testing whether cryptocurrency can serve as an effective vehicle for direct financial assistance. But the initiative raises questions about the intersection of private sector innovation, social welfare, and regulatory frameworks. The Program Structure Coinbase, in partnership with nonprofit organization Give...

/regulation /crypto Blockchain in Banking and Financial Services

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Research

Event Report

Cross-border payments as the next fintech frontier

Economic, regulatory, and technological insights for enhanced cross-border solutions amidst economic uncertainty. Cross-border payments have become integral to the global financial ecosystem, driven by the expansion of international business operations. The need for efficient, secure, and cost-effective payment solutions is more pressing than ever, and fintechs are a crucial cog in the cross-border machine.  In 2025, businesses must contend with a dynamic financial environment shaped by market volatility, regulatory changes, and technological advancements. Factors like tariffs, sanctions, and supply chain shifts significantly impact foreign currency reserves, requiring agility from financial institutions and fintechs alike. To stay competitive, organisations must be more agile than ever before to leverage cutting-edge technologies and strategic partnerships, in order to enable them to respond swiftly to changes and maintain a competitive edge.  This report highlights the key takeaways of a Finextra webinar, hosted in association with Visa Direct, by a panel of industry experts. Discover how cross-border payments are affected by:  Economic and geopolitical considerations;  Technology and other fintech advantages;  Interoperability and regulatory considerations; and  CBDCs, stablecoins, and other innovations in the cross-border space. 

551 downloads

Impact Study

Mastering the Transition to ISO 20022

Strategies for Compliance and Automated Testing in Financial Services With a regulatory storm incoming, the need for testing solutions – whether they be generic or tailored – is greater than ever before. As the financial services industry undergoes a vast amount change, particularly around the introduction of new rails on the ISO 20022 framework, these tests are proving vital for international banks and other institutions in the chain.  Yet, for this sector change is not a binary phase; it is almost always underway. To tackle this challenge in a sustainable way, automation is key – giving institutions the confidence to weather the storm of regulation with ease.  With the ISO 20022 standard now a prerequisite, organisations must convince their business leaders that the migration mandated for November is not just an IT project – it is fundamental to company-wide strategy.  This impact study, produced in association with Unifits and featuring expert commentary from BearingPoint and Accenture, explores how institutions can master the transition to ISO 20022 and streamline compliance through automated testing.  Discover:  The impact and evolution of testing  The benefits of testing automation  The strategic role of technology and compliance  Trends to watch: New rails and regulations  Real-world case studies  And more. 

503 downloads

Future of Report

The Future of Digital Banking in Europe 2024

A Money20/20 Special Edition. In 2023, fintech investment in the EMEA region dropped to $24.5 billion, down from $49.6 billion in 2022 – a seven year low.  Macroeconomic and global political conditions are creating challenges for growth, with upcoming general elections around the world adding to the uncertainties in financial ecosystems. Despite these challenges, the outlook for European digital banking remains positive.  The region continues to lead in innovation within the financial sector. This Finextra report, a Special Edition for Money20/20 Europe, features interviews with key players in the European financial services and fintech industries. It includes insights from Vodeno, EY, J.P. Morgan, Swift, Tink, and TrueLayer, and explores the following topics that will be addressed in Amsterdam: Hyper-personalisation: Moving towards super apps  Embedded payments driving the Banking-as-a-Service revolution  Variable recurring payments: The next step in European open banking  Is Europe ready for MiCA? From Web1 to Web3, or Markets1 to Markets3  How European fintech is facing macro challenges 

996 downloads

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FinextraTV

Why It's So Important To Approach Technology Development Differently

While speaking with FinextraTV at the Communify Fincentric Experience 2025, Will Bailey, President of International Sales, Communify Fincentric explained the way technology is developing. From Deterministic AI to blockchain, Bailey discusses how best to leverage these technologies and the most effective approach to early adoption.

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Long reads

Ram Gopal

Ram Gopal Professor at University of Warwick

What Swift’s blockchain ledger means for stablecoin innovation

At Sibos in Frankfurt, Swift announced it will add a blockchain-based shared ledger to its infrastructure stack. For a co-operative best known for messaging standards, this is a profound shift: moving from coordinating instructions to coordinating on-chain state, with the aim of enabling 24/7, instant, and programmable cross-border transactions at ...

Simon Jennings

Simon Jennings Executive Director at UK Cryptoasset Business Council

The devil is in the details: Delivering on the UK-US Digital Asset Taskforce

Last month, the UK and US governments announced the creation of a new ‘Transatlantic Taskforce for Markets of the Future’ - a joint initiative to enhance collaboration on digital assets and foster innovation in cross-border markets. This is a huge step forward, and I want to take this moment to congratulate both sides on getting this over the line...

Hamish Monk

Hamish Monk Senior Reporter at Finextra

Crypto’s embrace of extremism risks derailing legitimate economic progress

A global pattern is emerging: extreme right-wing organisations and state actors are using cryptocurrencies to make clandestine donations to likeminded political movements. A big development came from the UK in May 2025, when Nigel Farage announced at a conference in Las Vegas that Reform would be the first party in Europe to accept cryptocurrencies...