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

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Expert opinions

John Bertrand

John Bertrand MD at Tec 8 Limited

The emerging business case and BoE latest on Stablecoins

Stablecoins are crypto with a reserve of assets, one -to-one in value associated with the coins outstanding. Assets are of high-quality liquid value e.g. short-term US T-bills or commodities, such as gold. In September 2025 The Bank of England (BoE) reflected on its new wholesale Real Time Gross Settlement System (RT2) which includes ‘multi-money’....

/payments /crypto Banking Strategy, Digital and Transformation

Carlo R.W. De Meijer

Carlo R.W. De Meijer Owner and Economist at MIFSA

GENIUS and CLARITY ACT: US Financial Institutions entering the digital space

Since President Trump has signed the GENIUS Act a lot has been published on what that could bring to the traditional financial sector. It opens doors for traditional financial institutions (FIs) to enter the digital asset space with fewer regulatory hurdles. Banks can now more easily offer crypto services and provide banking to crypto businesses i...

/crypto Blockchain Observations

Sam Boboev

Sam Boboev Founder at Fintech Wrap Up

Deep Dive: Stripe and Circle Are Launching Their Own Blockchains – Here’s the Lowdown

Imagine sipping coffee with a fellow fintech nerd when they drop this bombshell: “Did you hear Stripe and Circle are both building their own Layer-1 blockchains?” It sounds crazy, but it’s true. In the past few months, payments giant Stripe (yes, that Stripe) and stablecoin issuer Circle have each unveiled plans for custom L1 blockchains – Stripe’...

/payments /crypto

Parminder Saini

Parminder Saini CEO at Triple Minds

Crypto Enforcement Team Implemented by the FCA to Target Rogue Firms

Excerpt of Crypto Enforcement Team Implemented by the FCA to Target Rogue Firms The Financial Conduct Authority (FCA) has officially formed a dedicated Crypto Enforcement Team to actively identify and eliminate rogue crypto firms operating without regulatory approval in the UK. This move comes amid increasing concerns about fraudulent schemes, mon...

/crypto Cryptocurrency Insights

Omri Argaman

Omri Argaman Chief Growth Officer at Zoomd

Marketing Cryptocurrencies Today

With support from the American government, these are exciting times to be working with cryptocurrencies again. That, coupled with the strength of Bitcoin is making 2025 a great year for the entire cryptocurrency industry. Though, as we all know, with cryptocurrencies, dramatic changes can happen quickly, erasing months of gains. That said, the indu...

/crypto /markets Marketing in 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. 

523 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. 

502 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

Combating Cyber Threats: The role of AI, Partnerships and Education

Joining the FinextraTV studio, Michele Centemero, EVP, Regional Services Lead, Mastercard, outlined the stark position the world is in when it comes to the cybersecurity threat we face. As technology increases, it becomes both the problem and the solution, Centemero discusses what the landscape currently looks like and how education and partnership are key to heading in the right direction.

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Long reads

Hamish Monk

Hamish Monk Senior Reporter at Finextra

What is blockchain?

Since its ideation over 30 years ago, blockchain’s use by the private and public sector has grown exponentially. In August 2025, Bloomberg reported that the United States had put its gross domestic product (GDP) data on blockchain, marking yet another foray by President Trump into the world of crypto. Google Cloud, meanwhile, is said to be develo...

Rhomaios Ram

Rhomaios Ram Honorary Research Fellow at Warwick Business School

Bridging the divide: The hybrid future of stablecoins and traditional finance

The financial landscape is undergoing a profound transformation driven by the imperatives of the digital economy and the internet which have reshaped modern businesses. The speed and global reach of the digital economy are amplifying the perceived shortcomings of traditional finance: cost, speed, and accessibility. While the push for real-time pay...

Jana Mackintosh

Jana Mackintosh Managing Director at UK Finance

Tokenised deposits are Britain’s best bet for smarter payments

Confused by the stablecoin versus CBDC debate? There’s a third way - and the Bank of England is right to call it out. There’s a saying in finance: a payment is a payment is a payment. It reflects how, for most people, the mechanics of money movement are invisible - we just expect it to work. But beneath the simplicity of a tap on a card reader or a...