Instant payments can reach millions of the unbanked but only if the economics work for everyone building the rails. Around the world, national real-time payment systems are proving that speed and inclusion can coexist, yet many struggle to balance universal access with commercial viability. Getting that balance right is now a defining test of payments strategy.

You will learn: how to design instant payment schemes that serve the underserved without eroding sustainability; which governance and pricing models drive long-term adoption; and what lessons successful national roadmaps offer to markets still building theirs. Miss this session, and you risk designing a system that scales in usage but never in value.

Every tokenised asset needs tokenised money to settle against, but what form will it be? Tokenisation promises to change how bonds, funds, private markets and real-world assets are issued, traded and settled. Yet without a trusted, programmable cash leg, it remains stuck at the pilot stage. Global banks are bringing deposits on-chain, and stablecoins have already reached some scale as internet-native dollars. Both are looking to be part of the settlement layer of the next financial system.

This session brings together leaders who will discuss which form of money corporates and institutions will trust for atomic settlement, collateral and liquidity, whether bank money and internet-native money will compete or interoperate, and what must be in place for tokenised markets to scale.

Payments move across borders in seconds. Building the technology to support them is a different challenge: connecting to local payment rails, adapting to market requirements, and scaling reliable products across regions. This panel looks at the infrastructure and product choices that help payment companies expand across the US, Europe, the Gulf and Asia—and where local licensing still shapes the roadmap. Founders leave with practical ideas for sequencing market entry, reducing integration friction and building payment systems that can scale globally.