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Digital Money


R3 Corda + Solana = Ethereum Killer?
A Future of Finance interview with Richard Brown, Chief Executive of R3 Labs The pivot by R3 from private to public blockchains through its partnership with Solana might be one of those apparently arcane technical deals - like IBM and Microsoft or Apple and ARM - that changes everything. It allies regulated, institutional money with an open blockchain protocol that can compete with existing equity and debt marketplaces on volume, speed and price, while still delivering on t
Nov 28, 2025


Digital Securities and Digital Cash Summit, Frankfurt 2025
Frankfurt 2025 Digital Securities and Digital Cash Summit 26 November 2025 1 Day Event: 08.30 to 20.30 CET Jones Day Offices, Nextower, Thurn-und-Taxis-Platz 6, 60313 Frankfurt am Main, Germany
Nov 25, 2025


Programmable Payments integrated with Current Accounts
A Future of Finance interview with Martin Hargreaves, Chief Product Officer at Quant Network. A Future of Finance interview with Quant Networks’ Chief Product Officer Martin Hargreaves. Quant is applying programmable payments to modernise payments processes and workflows, embedding programmability at customer account level rather than into the payments infrastructure. Speaking to Bob Currie, Contributing Editor at Future of Finance, Hargreaves describes how this model can imp
Jun 23, 2025


Digital Money 2025
Explore the future of Digital Money in 2025. Can Digital Money reshape economies? Discover insights from experts and join the conversation today!
Jun 15, 2025


Exploring convergence opportunities across private and public ecosystems
A Future of Finance interview with Richard Brown, Chief Technology and Product Officer at R3. R3 celebrates its tenth anniversary this...
Apr 30, 2025


What are the challenges and opportunities for a major reserve currency issuing a CBDC?
Just four countries have issued a central bank digital currency (CBDC). But the CBDC Tracker suggests that interest in CBDCs is far from moribund. In September 2024 26 central banks had a CBDC at the pilot stage and another 30 at the proof-of-concept stage. A further 103 are researching the idea. The Bank for International Settlements (BIS) website lists 20 CBDC research projects in which central banks have taken part since 2016. Just seven central banks have cancelled their
Oct 6, 2024


What are the roles of regulated and unregulated Stablecoins now?
It is universally agreed that lack of fiat currency on blockchains is an obstacle to the growth of digital assets. In cryptocurrencies, market forces solved this problem with the invention of the Stablecoin. Though trivial in value (US$172 billion total market capitalisation in September 2024) by comparison with the value of fiat currencies outstanding (US$215 trillion), Stablecoins have in the year to mid-September 2024 been used by about 180 million active addresses in US$4
Oct 6, 2024


Is a unified programmable platform for multiple forms of digital money and digital assets a viable objective?
The basic choice in digital asset infrastructure projects is between building linkages between systems or building common platforms. The difficulty the digital money and assets industries have encountered already in developing interoperability between platforms is a reminder that links require widespread if not universal agreement between market participants and introduce additional complexities and costs. Common platforms, on the other hand, can in theory achieve success thr
Oct 4, 2024


How many routes to interoperability does digital money need?
In theory, blockchain is an ideal technology for driving interoperability in financial markets because it puts digital money and digital assets on a single ledger shared with all parties at all times, ending the cost and complexity of coordinating multiple, siloed ledgers through complicated data exchanges between multiple intermediaries, each using proprietary systems, and it operates 24/7. However, blockchains as they exist today do not conform to this promise. There are d
Oct 3, 2024


How can we build a fully transferable tokenised deposit market?
Tokenised assets issued on to blockchain networks need cash on-chain to create liquidity and drive network effects. Stablecoins and (to a lesser extent) e-money have fulfilled this role so far. Like Stablecoins and e-money, tokenised deposits offer the benefits of instant payment, atomic settlement and programmability via smart contracts. But tokenised deposits have other advantages. They are a form of digital money underpinned by regulated banks. They preserve the "singlene
Oct 2, 2024


The impact of digital money on how payments are made
Payment services have made significant progress. Since 2008, when the Faster Payments service was introduced in the United Kingdom, instant payment around-the-clock has become a global norm. It is delivered not by blockchain technology but through domestic payments market infrastructures. In fact, payments infrastructures now process higher volumes of low value transactions and inter-bank payments more securely than ever before. Other innovations are having an impact. Open B
Oct 1, 2024


Bitcoin versus fiat currency: Did the cryptocurrency promise to transformmoney die of its own shortcomings or was it killed by central banks?
Bitcoin has demonstrably failed to deliver on its initial promises. Although more than 15,000 businesses around the world accept Bitcoin as payment, and both payment service providers and credit card companies are making it easier to move between Bitcoin and fiat currency, it is still extremely hard to spend Bitcoin in a shop or restaurant. This is not surprising, since the day-to-day value of Bitcoin is so volatile that consumers are reluctant to use it and merchants to acc
Oct 1, 2024


The interoperability problem: how can it be solved?
Digital technology has low barriers to entry. Any developer with a laptop and access to GitHub can write and distribute an application...
Sep 2, 2024


If you want great criticisms of Bitcoin, follow the Bitcoin bear
A Future of Finance interview with Jürgen Schaaf, Advisor of Market Infrastructure and Payments at the European Central Bank After...
May 20, 2024


If banks want things to change, says the RLN, things will have to stay as they are
A Future of Finance interview with Tony Mclaughlin, Emerging Payments and Business Development at Citi The Regulated Liability Network...
May 1, 2024


How to make the digital asset markets grow – How can blockchain-based token networks achieve full inter-operability?
A Future of Finance interview with Gilbert Verdian, CEO of Quant Tokenised assets markets, though rich in the promise of cost savings and...
Apr 8, 2024


How to make the digital asset markets grow – What can be done now to overcome the absence of digital money on blockchain networks?
A Future of Finance interview with Gilbert Verdian, CEO of Quant. Tokenised assets markets, though rich in the promise of cost savings...
Apr 3, 2024


How to make the digital asset markets grow – What can governments do to encourage the growth of digital asset markets?
A Future of Finance interview with Gilbert Verdian, CEO of Quant Tokenised assets markets, though rich in the promise of cost savings and...
Mar 28, 2024


What We Know and Do Not Know About CBDCs (So Far)
A Future of Finance interview with Alisa DiCaprio, Chief Economist at R3. A year and a half may have elapsed since the last central bank...
Dec 18, 2023


The Future of Money is Now Visible: What Does It Mean for You?
The architecture of the future of money is becoming visible. While cryptocurrencies such as Bitcoin and stablecoins such as USDT continue...
Dec 6, 2023

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