Over the past few days, three announcements quietly signalled that the next phase of digital finance is already underway. The European Central Bank launched Pontes, a system that lets banks settle…

Over the past few days, three announcements quietly signalled that the next phase of digital finance is already underway. The European Central Bank launched Pontes, a system that lets banks settle…

Over the past few days, three announcements quietly signalled that the next phase of digital finance is already underway. The European Central Bank launched Pontes, a system that lets banks settle…

In the space of a few days, Circle launched Arc, the ECB opened its digital euro pilot to online and mobile merchants, three Singaporean banks executed live transactions using tokenised deposits, and…

Why the next stablecoin battle will be decided by regulation, settlement, and distribution, not technology alone. I learned early that financial innovation rarely fails because the technology is…

By H1 2027, the most important new currency in crypto may not be a token; it may be a bank consortium. Twenty‑one of the world’s largest financial institutions Bank of America, Citi, Goldman Sachs,…

By H1 2027, the most important new currency in crypto may not be a token; it may be a bank consortium. Twenty‑one of the world’s largest financial institutions Bank of America, Citi, Goldman Sachs,…

It's about who stops chasing tokens and starts owning the regulated rails between bank money and on-chain liquidity. Over the last 18 months, I've been in boardrooms with European neobank and EMI…

It's about who stops chasing tokens and starts owning the regulated rails between bank money and on-chain liquidity. Over the last 18 months, I've been in boardrooms with European neobank and EMI…

It's about who stops chasing tokens and starts owning the regulated rails between bank money and on-chain liquidity. Over the last 18 months, I've been in boardrooms with European neobank and EMI…

Founders in fintech and crypto are no longer asking whether “crypto will replace TradFi.” They’re asking a harder question: Which rails can we trust to carry real money at scale: stablecoins, CBDCs,…

Founders in fintech and crypto are no longer asking whether “crypto will replace TradFi.” They’re asking a harder question: Which rails can we trust to carry real money at scale: stablecoins, CBDCs,…

Founders in fintech and crypto are no longer asking whether “crypto will replace TradFi.” They’re asking a harder question: Which rails can we trust to carry real money at scale: stablecoins, CBDCs,…

Founders in fintech and crypto are no longer asking whether “crypto will replace TradFi.” They’re asking a harder question: Which rails can we trust to carry real money at scale: stablecoins, CBDCs,…

MiCA is becoming the infrastructure for Europe’s digital-asset market. But regulation alone will not create euro liquidity, a payment utility, or global adoption.

Five years ago, the story in fintech and crypto was simple: ship faster than the incumbents, and you win. This week, watching Bitcoin drift around 64 to 65k while regulators quietly rewrite the…

Most people still watch Bitcoin’s price as if it were the heartbeat of innovation. But if you zoom out, the real story in 2026 is quieter and far more structural.

Most people still watch Bitcoin’s price as if it were the heartbeat of innovation. But if you zoom out, the real story in 2026 is quieter and far more structural.

MiCA has given Europe a rulebook. The harder question is whether that rulebook is building the next generation of digital money infrastructure or simply protecting Europe from someone else’s.

When the biggest fintechs keep getting bigger, it’s not only because they build great products, but also because they’ve made regulated distribution part of their product DNA. A few regulatory moves…