Sibos 2025: Programmable money is here, and it's changing everything

Sharing my thoughts on Sibos 2025 and the ⭐ STAR programme. From insightful sessions to meaningful networking, Sibos 2025 offered a unique platform to learn, connect, and reflect on the future of our industry. One of the standout topics this year was the growing momentum around deposit tokens and their potential to transform payments and settlement in the financial ecosystem. In my blog written as part of the programme, I explore how the integration of real-time payments and blockchain-based solutions such as deposit tokens is paving the way for a more intelligent, automated and inclusive payments ecosystem. 🌍 💡 You can read the full blog post here: https://lnkd.in/eVty9Qfd - I’d love to hear your thoughts on this topic! #Sibos2025 #STARProgramme #WomenInFinance #DepositTokens #Innovation #Payments #JPMorgan #Community Robin Lynch Sim Gill Emma Lawton

This week is World Investor Week (WIW)—a global initiative led by the International Organization of Securities Commissions (IOSCO) to reinforce the importance of investor education and protection in today’s financial landscape.[iosco +2] In a rapidly evolving world shaped by technology, artificial intelligence, and digital finance, financial literacy is essential for every investor. WIW 2025 highlights the necessity of sound, well-informed decision-making and the need to remain vigilant against misinformation, investment scams, and volatile trends. Key WIW 2025 Themes: • Responsible use of artificial intelligence in financial decision-making • Awareness and prevention of investment fraud and scams • Deeper understanding of crypto assets and digital finance • Building greater financial resilience through strategic investing[iosco +1] Let’s leverage WIW to revisit our financial objectives, enhance our awareness of emerging risks, and support each other in becoming knowledgeable investors. An empowered investor is one who makes informed choices, stays alert to industry developments, and protects both personal and community wealth. #IOSCOWIW2025 #IOSCOWorldinvestorWeek #MSB #QD06 #FIN352 #Fraud&Scams #Investingbasics #cryptoassests #lpu #starttoday

Sibos #2025 demonstrated once again why it’s the premier gathering for shaping the future of global finance. Two hot topics that grabbed our attention were: 📏 #Standards and #interoperability remain critical to scaling innovation. At Inveztor, we see firsthand how adopting consistent protocols and standardising data across counterparties can unlock collaboration and operational efficiency. As highlighted at ISSA - Intl Securities Services Association, standards are only valuable if widely adopted and initiatives like Swift's shared ledger, modular tokenization frameworks, and ISO - International Organization for Standardization 20022 alignment are helping the industry move beyond pilots toward production-ready solutions. ⚡ #Stablecoins and #tokenized #deposits are moving from concept to real-world deployment. Pilots from Deutsche Börse × Circle and UK banks show how programmable, interoperable digital money can enhance settlement, liquidity and cross-border workflows - a tangible glimpse of the future of money. Sibos 2025 made it clear: adopting the right standards will shape the next generation of smarter, faster and more connected financial markets. At Inveztor, we couldn’t agree more with this approach - as we are working at the intersection of digitising Debt Markets and the implementation of new digital standards across each of our products. We look forward to our continued collaboration with the market to keep driving this initiative. #Inveztor #Sibos2025 #Fintech #Interoperability #Standards #Digitisation #Stablecoins #TokenizedDeposits

Just In Time N.158 | 𝐌𝐢𝐂𝐀𝐑: 𝐭𝐡𝐞 𝐄𝐔 𝐀𝐩𝐩𝐫𝐨𝐚𝐜𝐡 𝐭𝐨 𝐂𝐫𝐲𝐩𝐭𝐨-𝐀𝐬𝐬𝐞𝐭 𝐑𝐞𝐠𝐮𝐥𝐚𝐭𝐢𝐨𝐧 Click here to read more➡️ https://lnkd.in/d8b-AzHp The growing intersection of Financial Markets and Technology has increasingly captured investors' attention, particularly towards innovative financial products such as crypto-assets As #cryptoassets become even more central, their high volatility and recent market turmoil, including several bankruptcies in recent years, have underscored the urgency for regulators to introduce comprehensive regulatory frameworks In this context, the European Union, as part of its strategy outlined in the 'Digital Finance Package,' has aimed to establish a harmonized crypto-asset regulatory framework across all member states The full enforcement of MiCAR on 31/12/2024 represented a significant milestone as the first cross-jurisdictional regulatory and supervisory framework for crypto-assets Authors: Jacopo Figuriello and Margherita Ranieri #iasonJustinTime #Innovation #MiCAR #CASPs

It’s interesting to see how the EU is taking a leading role in shaping a common framework for crypto-assets #iasonJustInTIme

What an incredible week at Sibos 2025 in Frankfurt! It was inspiring to get a glimpse into the future of banking and technology, surrounded by industry leaders, innovators, regulators, and technologists. The conversations highlighted the seismic shifts shaping our industry — from AI and crypto to interconnected ecosystems and evolving customer experiences. Equally exciting was the opportunity to connect with our customers, partners, and prospects — engaging beyond day-to-day transactions to exchange fresh perspectives on where the industry is headed. Our three key takeaways from Sibos — Speed, Transparency, and Collaboration — truly resonate with what we do everyday at i-exceed , as we deliver the next generation of digital banking experiences. i-exceed #Sibos2025 #Appzillon #DigitalBanking

This week marks World Investor Week (WIW) — a global initiative by the International Organization of Securities Commissions (IOSCO) to promote investor education and protection. In an age where technology, AI, and digital finance are reshaping how we invest, financial literacy has never been more critical. WIW serves as a reminder to make informed, responsible, and well-researched investment decisions — and to stay alert against misinformation, fraud, and high-risk trends. 💡 Key themes this year include: • Responsible use of AI in financial decision-making • Awareness of investment fraud and scams • Understanding crypto assets and digital finance • Strengthening financial resilience through smart investing Let’s use this week to revisit our financial goals, enhance our knowledge, and help others become smarter investors. Because an informed investor is an empowered investor. 💼📊 #WorldInvestorWeek #FinancialLiteracy #InvestorProtection #SmartInvesting #IOSCO #WIW2025 #MSB #FIN352

Governance & The Future of AAVE Who shapes the future of AAVE? Spoiler: it’s not a central bank. DeFi is redefining how financial systems evolve — and AAVE is one of the best case studies we have today. Community at the Core AAVE isn’t run by executives in a boardroom. Its governance is fully community-driven. Token holders can propose and vote on critical changes — from adjusting interest rate models to deciding which assets get listed. It’s finance where power is distributed, not concentrated. Why 2025 Is a Turning Point This year, two big updates stand out: • The Fee Switch — AAVE will start sharing part of its revenues directly with token holders. • GHO Stablecoin Expansion — Already live on Arbitrum, now rolling out to Base and Avalanche, spreading liquidity across chains. These aren’t just technical upgrades. They make DeFi more sustainable, rewarding, and accessible. Beyond DeFi: Real-World Assets The next frontier? Real-world assets (RWAs). Think tokenized bonds, stable instruments, and seamless liquidity across chains with AAVE V4’s upcoming Hub & Spoke model. This connects decentralized ecosystems with traditional finance — and invites new capital and participants into the space. Why This Matters For professionals, investors, and business leaders, AAVE’s governance shows where finance is heading: • Inclusive → token holders make the calls. • Transparent → decisions happen on-chain, visible to all. • Adaptive → communities can iterate faster than institutions. Looking Ahead From liquidity pools to governance, AAVE is proving what community-driven finance looks like. And this is still the early stage. 💬 Share your thoughts in the comments. 👉 Follow Alessandro Borghi for unconventional crypto insights. 👉 Follow Borghi Consulting for strategy and deep dives. ⸻ 🔑 Key Takeaways: • Governance = token holder decision-making • Fee Switch → revenue sharing in 2025 • GHO stablecoin expanding to multiple chains • RWAs + multichain liquidity on the roadmap #AAVE #DeFiExplained #BorghiConsulting #UncryptoTheCrypto #Web3Education #GovernanceDAO

Insightful opinion piece in CCN by Laser Digital's Adam Duritza, Head of DeFi, on why 2026 could be the year bonds move on-chain, faster. 👉 https://lnkd.in/e2c-eZV7 At Laser Digital, we share the view that tokenisation is reshaping how capital markets operate, from atomic settlement to real-time liquidity. Bonds are a significant first step in bringing traditional finance fully on-chain. 🔗 Read this and other insights in Adam's Tokenisation series at https://lnkd.in/e6Wq6PC8

Crypto investors are increasingly backing infrastructure innovation—especially DePIN and RWAs. Homnifi aligns directly with this shift. As DePIN gains VC support, our device ecosystem equips users to participate in resilient, real-world Web3 infrastructure. Learn more https://homnifi.com/ #DePIN #Homnifi #Web3Infra