digital finance

IMF and World Bank unveil Bangkok roadmap to combat digital financial fraud
Fintech
2026-10-11 09:57:19

Fintech Firms Are Folding Crypto Into the Backend, With Stablecoins at the Center of the Next Digital Finance Cycle

A report by IOSG author Benji Siem argues that a structural shift is underway across digital finance: large fintech companies are no longer treating crypto primarily as a speculative front-end product, but as backend infrastructure for settlement, liquidity and global money movement. The paper points to Stripe’s $1.1 billion acquisition of Bridge, Mastercard’s roughly $2 billion acquisition of Zerohash, and Robinhood’s launch of its own Layer 2 as signs of the same direction. Reviewing 10 major fintech companies, the report says the strongest operators are using blockchain rails, stablecoins and DeFi infrastructure to speed up settlement, lower costs and expand cross-border connectivity while keeping the user experience largely unchanged. Stablecoins, in this view, are becoming the bridge layer between traditional finance and on-chain markets. The report also separates business models by resilience. It favors payment-network tollbooth models, infrastructure-as-a-service platforms, recurring revenue tied to float or staking, and low-cost digital banking in underserved markets. By contrast, it flags heavy dependence on trading fees, payment for order flow, and crypto products with no sticky recurring revenue as weaker structures. Its broader conclusion is that the next winners in digital finance will combine distribution, regulatory trust and infrastructure control, then route value across multiple payment rails rather than rely on speculative exposure.

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Fintech Firms Are Folding Crypto Into the Backend, With Stablecoins at the Center of the Next Digital Finance Cycle
Justin Sun says AI and digital finance are converging as HTX DAO holds Future Night in Singapore
DTCC, Citi and Swift say interoperability is key to scaling tokenization
BiyaPay
2026-09-22 08:17:09

BiyaPay pushes platform buildout around global asset allocation and service connectivity

BiyaPay is positioning its platform development around a practical question for users participating across markets: how to understand, access, and move between different financial services in one place. The company says its current platform effort centers on information display, operational continuity, and user communication, with the goal of making cross-asset participation easier to follow. According to the article, BiyaPay connects multiple asset-service channels and partner-provided services through its technical system, covering scenarios tied to stocks, crypto assets, fund exchange, and payments. It argues that for global users with different language habits, investment experience, and financial-service backgrounds, clear service explanations and localized communication matter as much as product access. The piece also gives a use case involving users who hold USDT and want to participate in U.S. or Hong Kong stock investing. In supported scenarios, BiyaPay provides access points through system integration so users can understand the path from digital asset exchange to preparing U.S. dollar or Hong Kong dollar funds and then moving into securities trading. The company notes that securities trading and other related financial services are provided by partner institutions, while availability depends on region, account eligibility, and applicable service conditions.

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BiyaPay pushes platform buildout around global asset allocation and service connectivity
Australia
2026-09-22 05:29:31

Australia’s 40-year economic outlook highlights AI but leaves crypto out

Australia’s latest Intergenerational Report puts artificial intelligence at the center of the country’s long-term economic transition, naming it one of five major shifts expected to reshape the economy over the next 40 years. The report, released Monday by the Australian Treasury, says agentic AI systems have become far more capable, autonomous and widely used, even exceeding human-level performance on some benchmarks. Yet it makes no mention of crypto or digital assets. That omission drew criticism from Coinbase Australia country director John O’Loghlen, who said the report focuses heavily on AI while overlooking the financial infrastructure those AI agents may eventually require. He argued that if Australia wants to turn technological adoption into long-term prosperity, it also needs to address the rails that could support digital finance, including tokenized stored-value frameworks for stablecoins and clearer rules for tokenized markets. The omission stands out because Australia’s central bank has increased its attention on tokenized finance and financial infrastructure upgrades this year, while the Digital Finance Cooperative Research Centre has estimated that digital finance innovation could add 24 billion Australian dollars, or $17.1 billion, in annual economic gains. Treasury’s separate Financial Innovation Strategy, released on Sept. 3, does acknowledge that agentic systems could drive demand for real-time, interoperable and programmable payment systems.

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Australia’s 40-year economic outlook highlights AI but leaves crypto out
Kakao Pay, Kakao Bank partner with Fireblocks to build digital asset infrastructure in South Korea
01F Group’s 01Fintech invests in Indonesian digital finance platform DANA