71 Results
John Bertrand MD at Tec 8 Limited
A key aspect in the debate over Stablecoins is the need for good regulations built on a trustworthy Digital Infrastructure required to ensure legitimate behaviour between: Key stakeholders: Commission of a Stablecoin, for example Wyoming and monitor of the ‘Reserve’ Licensed Service Providers (LSP), buyers of the ‘Reserve offsetting fiat currency’ ...
15 September 2025 /regulation /crypto Digital Bank Transformation
A ready reckoner is a printed book containing pre-calculated values, often multiples of given amounts, available in the UK before decimalisation in 1971 – when 12 pennies became 10. Stablecoin is a new digital form of money and represents the paper money at par, for example, one Wyoming’s new Stablecoin, Frontier is equal to one US Dollar. The end...
11 September 2025 /regulation /crypto Banking Strategy, Digital and Transformation
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’....
05 September 2025 /payments /crypto Banking Strategy, Digital and Transformation
Hong Kong's Regulatory Framework This framework appears designed to balance innovation with regulatory oversight. The relatively streamlined KYC requirements for smaller transactions and allowance for market-rate fees suggest Hong Kong is positioning itself as a crypto-friendly jurisdiction. It does so by maintaining prudential safeguards through ...
11 August 2025 /regulation /crypto Banking Strategy, Digital and Transformation
US has opened the door for Stablecoin innovation for Governments, Corporations and consumers by enacting on the GENIUS Act. This is a regulatory framework for stablecoins, backed by low-risk assets such as cash ($) and US T-Bills. This can drive value for: Government Economic Growth Stablecoins move instantly and with sub-second finality settlement...
28 July 2025 /regulation /crypto Banking Strategy, Digital and Transformation
Overview People like real time (RTP: instant) payments. Economies where instant payments are used grow a minimum of 1 to 3% per annum. Instant payments in 2024 totalled $26 billion and expected to grow 5x by 2029. Growth Initiative Economic growth is down to the velocity of money. If someone has just been paid then they can then pay someone else ...
16 July 2025 /payments /crypto Banking Strategy, Digital and Transformation
A stablecoin for currency is a token that can be used alongside the parent currency reflecting the market price at that instant. The historic volatility is known, and the price can be verified publicly. Earlier attempts to use crypto currencies fell afoul of Herstatt Risk . The fait currency had not left the sender’s bank before the amount transf...
29 June 2025 /payments /crypto The future of Payments in Europe
AI allows anyone to have access to extensive data with analytic reviews within seconds. AI can identify anomalies, similarities and potential customers and criminals. The amount of information AI can present on anyone topic is extra-ordinary. A simple request can generate pages of data. The need is to ask the right question and becoming an editor ...
17 June 2025 /ai /regulation
Banks, Payment Service Providers and regulators are indebted to the Gambling Industry for continuingly improving the resilience and security of Cloud Technology. For example, EU has DORA (Digital Operational Resilience Act) which requires a 4 hour for reporting a major incident but no later than 24 hours. If an online gaming service goes down 10 m...
15 June 2025 /security /regulation Banking Strategy, Digital and Transformation
Historical Core banking systems can trace their origins 50 years ago to independent, branch-specific solutions running on IBM computers using legacy languages like RPG, COBOL, and Assembler. The branch bank industry consolidated around two major players - Temenos' Globus and Finastra's Midas - each serving over 300 banks, often with many installat...
06 June 2025 /payments /cloud Banking Strategy, Digital and Transformation
Welcome to Finextra. We use cookies to help us to deliver our services. You may change your preferences at our Cookie Centre.
Please read our Privacy Policy.