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

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Expert opinions

Nick Jones

Nick Jones CEO at Zumo

The UK has one of the most vibrant crypto retail markets in the world - it needs to capitalise on it

The value of the global cryptocurrency market recently reached $4 trillion for the first time, with retail investors all around the world eyeing up the exciting new opportunities on offer. In Spain, BBVA has unveiled its cryptocurrency trading and custody service for Bitcoin and Ether, which is now available to all retail customers of legal age i...

/regulation /crypto

John Reese

John Reese Business Analyst | Platform Growth Expert at Hashcodex

What Features Do Investors Expect in a Crypto Exchange MVP?

Planning to build a crypto exchange? Great idea. But before you launch, there’s one thing you need to get right: your MVP. An MVP is your first version. It should be simple, but strong. It’s the version you’ll show to investors, and it needs to work well enough to prove your idea is real. If you miss the mark, you lose trust. But if you get it ri...

/startups /crypto Cryptocurrency Insights

Milko Filipov

Milko Filipov Senior Manager at valantic

Accepting Stablecoin and Crypto Payments: What Merchants Must Know About Settlement

As stablecoins and cryptocurrencies become increasingly integrated into corporate payment ecosystems, treasurers in large organizations face critical decisions around settlement options. How payments are settled—that is, the currency in which funds are ultimately received—has profound implications for liquidity management, risk exposure, and treas...

/payments /crypto

Eli Talmor

Eli Talmor CEO at ID-Bound

The Business Case for Absolute Crypto Theft Protection .

A technological solution offering 100% theft protection for ETH-pegged tokens held in a self-custodial account, including transfers, but excluding DeFi interactions, such as TRIO, would have a mixed but potentially significant impact on its attractiveness and customer willingness to pay. Here's an analysis: 1. Value Proposition & Attractivenes...

/security /crypto Blockchain in Banking and Financial Services

Hedera .

Hedera . Thought Leadership at Hedera

Crypto Week: An Inflection Point for the U.S.

Last week was “Crypto Week”, a defining moment for U.S. digital asset policy. The House of Representatives prepared to take up the GENIUS Act to regulate stablecoins and the CLARITY Act to provide a market structure for digital assets. The bills mark a clear shift in how the U.S. approaches innovation, governance, and leadership in digital assets

/regulation /crypto Financial Services Regulation

/crypto

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. 

156 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. 

501 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 

994 downloads

/crypto

FinextraTV

How Will New Technologies Shape the Future of Payments?

In an interview with FinextraTV in the lead-up to Sibos 2024, Pilar Fragalà, Chief Commercial Officer of CBI, explores the impact of digital technologies and regulations on payment services. Highlighting the role of AI, APIs, and blockchain in enhancing security and speed, while PSD2 and PSD3 drive open banking and consumer protection, the discussion focuses on innovations like embedded finance and instant payments that offer transparency and flexibility. Addressing growing fraud risks, the interview examines how technology can prevent fraudulent transactions by verifying IBAN and beneficiary details in real time.

/crypto

Long reads

Franz Bergmueller

Franz Bergmueller CEO at AMINA Bank

Traditional banking vs. crypto banks: The road ahead

The rise of cryptocurrency since 2008 shook the world of traditional banking. What began as skepticism and denial has evolved into cautious acceptance, as institutions and retailers have seen the potential of crypto – not only as an asset class, but as infrastructure. Traditional banks are increasingly playing catch-up in a system that is being re...

Martin Walker

Martin Walker Research Fellow at Warwick Business School

What is the real bitcoin inflation rate?

"When I use a word," Humpty Dumpty said, in rather a scornful tone, "it means just what I choose it to mean- neither more nor less." - Through the Looking Glass, Chapter 6, by Lewis Carroll One of the explanations for the value of bitcoin is based on its claimed anti-inflationary properties. The ultimate supply of bitcoin, unlik...

Simon Jennings

Simon Jennings Executive Director at UK Cryptoasset Business Council

The UK’s next Big Bang: Digital assets, blockchain, and Web3

With HM Treasury and the Financial Conduct Authority (FCA) actively consulting on the future regulatory framework, real progress feels within reach. But as ever, the devil is in the details. Warm words and platitudes alone won’t deliver what is required, and regulation is only part of the puzzle. That’s why today, the UK Cryptoasset Business Counc...