Money Stack Rewired: Stablecoins and Beyond

Where rails, data, identity and trust converge

The operating system of finance is being upgraded with more data, new APIs and a sprinkle of AI.

Stablecoins are moving from the crypto fringes into mainstream financial services, driven by cross-border treasury needs, fraud prevention, and demand for near-instant settlement.

SEPA Instant is reshaping Europe’s domestic payments, while tokenised deposits and new digital identity frameworks promise a more seamless, secure ecosystem.

Meanwhile, beneath this innovation, fraud has quietly become the defining crime of Europe, spreading faster than the tech solutions meant to contain it.

The transformation taking place isn’t just technical; it’s geopolitical.

As the US and Europe compete to set standards, the question is whether a rewired money stack will be faster, smarter, and safer… or simply more complex.

Among the topics we’ll be exploring

  • Digital Identity and eIDAS 2.0
  • Stablecoins
  • Payment Rails
  • Digital Euro / Digital Pound
  • Verification of Payee
  • Privacy and Identity
  • Fraud and Cybercrime

Why it matters?

  1. The global stablecoin market is valued at over $234 billion, and projected to reach $2 trillion by 2028 (US Treasury, Digital Money report, 30 April 2025).

  2. In the UK alone, £1.17 billion was lost across 3.31 million cases of fraud in 2024 (UK Finance, Annual Fraud Report 2025, 27 May 2025).

  3. Non-cash payments within the euro area increased by 8.6% to 77.6 billion in H2 2024, with their total value rising by 3.8% to €116.9 trillion (European Central Bank, Payments statistics: second half of 2024, 23 July 2025).