Banks, EMIs and payment firms are no longer choosing between “old” and “new” rails. They are operating across several at once: traditional bank networks, permissioned platforms and public, programmable networks.
The challenge is not ideology. It is execution.
In our new whitepaper, Value in Transition: Navigating the Evolution of Money, Payments & Digital Finance, we examine how regulated institutions are adapting to this reality in practice — without compromising trust, control or compliance.
Drawing on real operating experience across global corridors, the paper explores:
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Why money should be understood as a technology, not just a product
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How stablecoins and programmable settlement complement (rather than replace) existing rails
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Where SWIFT still works best — and where it doesn’t
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How regulatory divergence across the US, EU and UK is shaping payment strategy
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What “hybrid rails” look like in production, not theory
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How firms are releasing liquidity, reducing breaks and improving auditability
This is a pragmatic, research-led perspective for leaders who need to modernise how value moves — carefully, measurably and without lock-in.
If you are responsible for payments, treasury, risk, compliance or platform strategy, this paper will help you ask better questions and take the next sensible step.
Download the whitepaper now and explore what resilient value transfer looks like in a hybrid world.