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News and resources on digital currencies, crypto assets and crypto exchanges worldwide.

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Expert opinions

Nkahiseng Ralepeli

Nkahiseng Ralepeli VP of Product: Digital Assets at Absa Bank, CIB.

Fractional Dreams: How Tokenisation is Unlocking Assets in Emerging Markets

Imagine a young professional in Nairobi buying a digital slice of a new apartment building, a cattle farmer in Bolivia selling tokens backed by his herd, or a street vendor in Mumbai investing in a fraction of a tech company’s stock – all through a smartphone. This isn’t sci‑fi finance; it’s the promise of fractionalisation and tokenisation. These...

/inclusion /crypto

Milko Filipov

Milko Filipov Senior Manager at Payment Consulting

How Crypto PSPs Drive Cryptocurrency Payment Adoption for Businesses and Why They Matter

Everything seems to be going great for cryptocurrencies—regulations are evolving, political developments are shaping a clearer path, institutional funds are investing, and ETFs are gaining traction. Yet, despite all this progress, many people still don’t use crypto for payments. Is it just a niche interest, or is there a significant industry built...

/payments /crypto

Naina Rajgopalan

Naina Rajgopalan Content Head at Freo

Bitcoin Surges Past $100K Amid Speculation on Trump’s Crypto-Friendly Policies

Bitcoin has shattered the $100,000 threshold, marking a major milestone in the cryptocurrency world. While this achievement alone is noteworthy, analysts predict an even more dramatic surge, with some forecasting Bitcoin prices to reach as high as $5 million per coin. If realized, this would propel Bitcoin’s total market capitalization to an unpre...

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Naina Rajgopalan

Naina Rajgopalan Content Head at Freo

Tips to Protect Cryptocurrency Assets

Cryptocurrency has emerged as a valuable and sought-after asset for millions of individuals globally. With the advent of Bitcoin, Ethereum, and numerous other digital currencies, investors are drawn to their growth potential. Nevertheless, like any valuable asset, cryptocurrencies must be secured to prevent loss. Sadly, the decentralized and digit...

/crypto /crime

Anton Chashchin

Anton Chashchin Founder & CEO at N7 Capital

How Institutions Will Make Digital Assets a Standard by 2025

Digital assets are becoming a regular feature for institutional investors. With adoption growing quickly and investor confidence rising, the shift is already happening. By 2025, they will likely become a normal part of institutional operations. The numbers speak for themselves: BlackRock's iShares Bitcoin Trust (IBIT) set a record by reaching $5...

/crypto /predictions Cryptocurrency Insights

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Research

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. 

500 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 

991 downloads

Future of Report

The Future of Digital Banking in North America 2024

2023 was characterised by increasing amounts of uncertainty and a lack of clarity across the financial world. The collapse of banks, including Silicon Valley Bank, Signature Bank and First Republican Bank, in March 2023, added strain to already unsettled financial markets. While market volatility has remained relatively stable, soaring inflation and climbing interest rates slowed economic growth and this is expected to continue into 2024.  While forecasts regarding the length and severity of a possible recession are speculative, experts are even more divided about stock market predictions for 2024. Optimism is strong in many investors who expect that 2024 is the year rates will stop rising and predict bullish turns that will see markets soar to new heights. Yet with many other factors affecting North American markets, the only certainty we can expect as we look towards 2024 is more uncertainty. This Finextra report on the outlook of North American banking trends, is produced in association with Money20/20 and includes key insights and commentary from industry experts at EY and Mastercard.

741 downloads

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FinextraTV

The Impact of Political Change on Blockchain Integration

Miles Paschini, CEO, FV bank joins FinextraTV in the virtual studio to discuss the integration of blockchain into traditional banking, its misconceptions and how recent political changes might impact its future.

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Long reads

Madhvi Sonia

Madhvi Sonia Head of Content at Finextra

Tornado Cash: The end of sanctions, a decentralised future, and financial privacy

In a monumental shift in regulatory policy, the US government has reversed its decision to sanction Tornado Cash, the decentralised cryptocurrency mixer that has been a subject of intense debate since 2022. As reported by CoinDesk, Tornado Cash has been “accused of helping North Korea’s Lazarus Group launder stolen funds from its various hacks a...

Bazil Sansom

Bazil Sansom Research Fellow at Warwick Business School

Are CBDC projects moving forward without public buy-In?

Central banks worldwide are accelerating retail CBDC (central bank digital currency) initiatives, with a notable drive on the digital Euro, and the digital pound. Yet skepticism and resistance are on the rise. Commercial banks fear deposit outflows and costs and see CBDC as an unwelcome intervention in their business model. Meanwhile, public mistru...

Miles Paschini

Miles Paschini CEO at FV Bank

Banking the future: Stablecoins pave the way in 2025

While the financial world continues to march ahead with digital transformation, one innovation has risen above the rest: a bridge that connects the world of traditional finance with the burgeoning digital asset industry — stablecoins. In 2025, stablecoins are going to grow increasingly relevant in changing the face of banking, with their vast pote...