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Digital Money
Keep up to date with the latest on Digital Money
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...
Jun 231 min read
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 161 min read
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...
May 11 min read
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...
Oct 7, 20245 min read
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,...
Oct 6, 20245 min read
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...
Oct 5, 20245 min read
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...
Oct 4, 20245 min read
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...
Oct 3, 20245 min read
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,...
Oct 2, 20245 min read
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...
Oct 1, 20245 min read
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, 202414 min read
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, 202448 min read
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, 202453 min read
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, 202410 min read
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, 20249 min read
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, 202414 min read
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, 202319 min read
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, 202340 min read
Interoperating token networks: What they are and how to get there
Future of Finance: There is no shortage of individual blockchain and tokenisation projects in repo, swaps, payments and securities. Why...
Nov 4, 202313 min read
How R3 gets blockchain projects done
A Future of Finance interview with Co-founders of R3, Chief Technology Officer Richard Brown and Chief Strategy Officer Todd Mcdonald. ...
Oct 16, 202332 min read
The first priority in data is to manage the compliance risk
A Future of Finance interview with Peter Gargone, CEO of n-Tier Financial Services. Data is now at the heart of every efficiency...
Sep 20, 20231 min read
The mint that manufactures notes and coins in digital form
A Future of Finance interview with Jonathan Dharmapalan, CEO of eCurrency. 130 central banks around the world are now exploring the...
Jul 13, 20231 min read
Stablecoins are not the destination but a stepping stone on the journey towards programmable money
A Future of Finance interview with Gilbert Verdian, CEO of Quant It is easy to fall into the trap of treating monetary innovations such...
May 24, 202326 min read
A thousand dApps will bloom on the solid foundations of CBDCs
A Future of Finance interview with Ricardo Correia, Head of Digital Currencies at R3. The decision by regulators to bring bank-issued...
Feb 6, 202337 min read
Embrace this digital future or die
This is the summary of a discussion hosted by Future of Finance in London on 20 September. A presentation by Dr Ian Hunt on his recently...
Oct 14, 20225 min read
The Ultimate Guide to Stablecoins: Research by SupraOracles
Your A-Z Guide To Better Understand Stablecoins Stablecoins, a $150 billion+ asset class, are essential to the functioning of the crypto...
Sep 14, 20221 min read
Has reform of cross-border payments lost its mojo?
A summary of the webinar of June 22 2022 entitled Has reform of cross border payments lost its mojo? Summary 5.14 Is progress towards...
Jul 26, 202262 min read
How banks can make money in the Metaverse
A summary of the webinar of Mar 24 2022 entitled How banks can make money in the Metaverse? Summary What is the Metaverse? Definitions of...
Jul 19, 202253 min read
Is it the destiny of Blockchain to become the Open Infrastructure?
A summary of the webinar of May 26 2022 entitled Is it the destiny of Blockchain to become the Open Infrastructure? Summary Is it the...
Jul 8, 202253 min read
An Optimal Model for Digital Assets and Transactions; Presentation by Dr Ian Hunt
I’ve spent the last couple of years working on, broadly, an optimal model for digital assets – for the issuance of digital assets / and...
Jul 2, 202222 min read
KYC, AML, CFT and sanctions screening checks are a bad answer to a real problem
Part 1 of a Future of Finance interview with Vadim Sobolevski, co-founder of FutureFlow. Many business decisions are baffling. But on the...
Jun 28, 20221 min read
It’s time to start thinking about CBDCs as an intelligent form of QE
Part 2 of a Future of Finance interview with Vadim Sobolevski, co-founder of FutureFlow. No one central bank digital currency (CBDC) is...
Jun 22, 20221 min read
Are central banks thinking radically enough about CBDCs?
A summary of the webinar of May 18 2022 entitled Are central banks thinking radically enough about CBDCs? Key Insights CBDCS are widely...
Jun 22, 202211 min read
What AI is doing to asset management operations
A Future of Finance interview with Bob Suh, Founder and CEO at OnCorps. Artificial intelligence (AI) and machine learning (ML) are...
Jun 1, 20221 min read
MetaMUI uses digital identity to invent a fast, scalable blockchain
The “trilemma” has become a fixed objection to the adoption of blockchain technology. According to it, a blockchain-based system cannot...
May 19, 202213 min read
Blockchain could supplant platform capitalism if it adopted an open infrastructure model
The adoption and impact of Blockchain in financial markets could be accelerated by pursuing a collaborative strategy that uses blockchain...
May 2, 202210 min read
Bitt CIO explains why Nigeria introduced a CBDC and how it is working
A Future of Finance interview with Simon Chantry, CIO at Bitt. Central Bank Digital Currencies (CBDCs) can seem like nuclear fusion: a...
Apr 15, 20221 min read
The financial market infrastructure of the future will look like this
A Future of Finance interview with Angie Walker, Global Head of Capital Markets Business Development at R3. One of the signal...
Mar 30, 20221 min read
How to get the InsurTech revolution happening again
InsurTechs are more numerous than effective. Technological gimmicks and virtue-signalling corporate philosophies capture headlines but...
Mar 22, 202217 min read
The future of post-trade financial market infrastructures is visible now
A Future of Finance interview with Goncalo Lima, Capital Markets Ecosystem Lead at R3. Post-trade was an early target of the blockchain...
Feb 15, 20221 min read
A blockchain protocol fit for the age of CBDCs, the Internet of Things and the Metaverse
A Future of Finance interview with Seokgu (phantom) Yun, Founder and CEO of the Sovereign Wallet Network and Project Lead of the Meta MUI...
Feb 1, 20221 min read
How banks can make money in the Metaverse
The Metaverse is notoriously hard to define. Those definitions which do exist describe a digital facsimile of the physical world, which...
Jan 31, 20229 min read
What a Blockchain Economy Will Look Like
A summary of the webinar of 30th September 2021 entitled What a Blockchain Economy Will Look Like Key Insights It is easy to portray...
Jan 21, 20227 min read
The waiting for CBDCs is almost over and the ordeal of the incumbents is about to begin
A summary of the webinar of 23 November 2021 entitled The waiting for CBDCs is almost over and the ordeal of the incumbents is about to...
Jan 17, 202210 min read
Open Banking is just the opening scene of a three-part drama of total economic transformation
A summary of the webinar of 9 December 2021 entitled Open Banking is just the opening scene of a three-part drama of total economic...
Jan 10, 20228 min read
Cost-cutting or client service is a bogus dilemma, Wealth Wizards tells wealth managers
A Future of Finance interview with Nick Hall, Head of Advice at Wealth Wizards. Wealth management faces much the same challenge as other...
Jan 6, 20223 min read
How a financial contract standard could help Blockchain achieve institutional scale
A Future of Finance interview with Ralf Kubli, an investor and independent director, and Willi Brammertz, managing director at Ariadne...
Jan 5, 20223 min read
Regulatory reporting and financial crime compliance are data problems too
A Future of Finance Interview with Joe Higginson, Chief Commercial Officer at Identitii. In a modern economy, the most important costs...
Dec 22, 20214 min read
The greediest people in financial services are not who you thought they are
A Future of Finance interview with Stephen Taylor, General Manager, Anti-Money Laundering, at NICE Actimize. Financial crime compliance...
Dec 2, 20214 min read
A business-like approach to regulating digital assets is working for Gibraltar
A Future of Finance Interview with Albert Isola MP, Minister for Digital and Financial Services in Gibraltar. In January 2018, Gibraltar...
Dec 1, 20213 min read
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