Money20/20 USA 2026

From black box to transparent infrastructure. This panel explores how real-time reserve visibility rebuilds trust, regional bank participation reduces deposit flight risk, and open infrastructure unlocks efficiency and returns building a resilient, inclusive stablecoin economy that works for everyone.

A former prosecutor travels to Cambodian fraud farm compounds to see them firsthand. A risk intelligence company sees similar operations in location and device data. This session shows both sides of the same crime and how it affects how you detect it.

Investment performance alone no longer wins clients. As wealth shifts to younger generations, women, and entrepreneurs, expectations are evolving toward personalized, relationship-driven experiences that feel more like luxury service than financial transactions. The new playbook combines human expertise with AI to deliver seamless, holistic advice at scale.

Stablecoins aren’t just for crypto they’re a B2B back-office power tool. This session moves past the hype to examine the operational reality of global payment rails, exploring how to distinguish legitimate complexity from illicit activity and turn regulatory navigation into a competitive advantage for cross-border transactions and treasury operations.

$84 trillion is changing hands. In this session, Racquel Oden explores the five forces reshaping wealth over the next decade – from the Great Wealth transfer and AI, to women, digital natives and the rise of the global client.

A data-first look at one of the fastest-growing new financial instruments.

Prediction markets have crossed $15B in monthly notional volume. But what does the data actually show about how they work and how they’re being gamed? This session walks through what real-time onchain data reveals about prediction markets: how they function as early-warning signals for macro events, where liquidity is actually concentrated, and how to detect unusual activity patterns that may indicate information asymmetry or market manipulation.

The U.S. has no unified digital identity system and every fintech, lender, and bank is actively building around this gap. This session examines what’s broken in the current identity infrastructure landscape and explores how different approaches to digital identity verification are emerging across the financial services ecosystem and what that means for security, access, and interoperability.

This panel brings together women at the forefront of fraud prevention, safety, and security to explore how the work is changing and what it takes to stay ahead in an increasingly complex threat landscape.

In this live edition of The Exchange, this session explores the rise of prediction markets—examining the technical, cultural, and financial mechanisms of emerging platforms, and what the financial services industry can learn from this moment as it builds the next frontier of market infrastructure and information discovery.

As institutions leverage stablecoins for enterprise payments, trust, not speed determines success. This session brings together perspectives from banking, issuance, and payment infrastructure to examine how security, accountability, and governance shape real-world adoption at scale, and what it takes to build confidence in stablecoin-based payment systems.

The boundary between traditional finance and crypto is dissolving. On-chain infrastructure, regulatory clarity, and institutional participation are combining to create a single converged financial system. This summit examines the opportunities, risks, and competitive stakes for financial institutions navigating this shift and what adoption at scale will mean moving forward.

Winning family offices isn’t about product, it’s about trust. In a referral-driven market where one bad experience can cost you the network, experience is everything. This session explores how technology creates seamless, secure, white-glove experiences that build trust, drive referrals, and lock in family office clients for the long term.

Quantum computing is reshaping security and board-level priorities. PQC migration demands cryptographic inventory, agility, and regulatory-aligned governance. Institutions that move deliberately on PQC today build the resilience that defines operational trust for the next decade.

Money20/20 sets the global benchmark for fintech innovation, bringing together the industry’s most influential leaders, groundbreaking companies, and visionary thinkers. The event showcases the future of money through cutting-edge content, unparalleled networking, and transformative ideas that are shaping industries, breaking new ground, and setting the standard for excellence.

Identity isn’t a one-time check, it’s a continuous signal. But most systems still operate in silos across onboarding, transactions, and monitoring. As fraud evolves, where are the blind spots and what would it take to close them?

The GENIUS Act unlocked the stablecoin era, but tokenized deposits are fighting back. This session tackles the $4 trillion question: will stablecoins steal deposits from banks, or will both find their lane? The discussion explores how money is evolving to move like text messages, examines stablecoins’ potential to dominate cross-border payments by eliminating high remittance costs and settlement delays, and assesses how tokenized deposits will coexist with existing payment rails before potentially becoming the dominant method.

As AI agents begin transacting autonomously on behalf of users, payments faces a new frontier: how do you verify, secure, and trust an agent? This panel explores Know Your Agent protocols, fraud prevention, and the identity infrastructure scaling agentic commerce safely.

Expanding globally is hard. The startups that succeed don’t go it alone. Founders and investors share real lessons on leveraging partnerships with financial institutions to unlock markets, navigate regulation, and scale across borders.

AI is a source of concern: jobs, prices, and skepticism that it is being built with them in mind. That disconnect is a problem for every bank or lender. Learn how to design consumer AI, use cases by need, and where trust breaks down.

Explore how networks, fintechs, and cloud platforms are enabling a new generation of B2B payment experiences. The discussion will examine how AI-driven workflow orchestration and data management can help businesses manage complex payment tasks.

As Sponsor Banking scales, success hinges on a defined Bank–FinTech relationship across the partner lifecycle. This panel explores how governance, operating models, automation, and data-driven oversight support responsible growth, regulatory confidence, and sustainable revenue.

Banks have been building for individuals. But people live in families. In this hands-on workshop, we’ll show you what banking the whole family actually looks like — and why the banks that figure it out first will win. The payoff: deposit growth, acquisition, and loyalty.

The best fintech companies don’t build their own rails, they ride them. These leaders will share how deliberate delegation became their scaling engine, with a first-of-its-kind product to prove it.

This session examines the state of U.S. crypto regulation in 2026 exploring how stablecoin supervision, market structure rules, and custody frameworks are being enforced today, and whether policy serves everyday users or primarily institutions. The discussion highlights how unbanked and underbanked Americans are using digital assets to solve real financial problems, identifies critical guardrail gaps in the current system, and assesses which regulatory frameworks are working and where users remain exposed.

Stablecoins are shifting from narrative to infrastructure, powering payments, treasury, and settlement across Africa, Asia, and LatAm. This panel explores real adoption, what’s working, and how compliance, trust, and interoperability are shaping modern cross-border finance.

Forget meme stocks and headlines. Based on billions of transactions and a nationally representative survey, learn how a collaborative partnership reveals how everyday Americans actually invest, and what that means for the future of consumer finance.

This panel explores the operational infrastructure required to build liquid, interoperable, institution-ready 24/7 tokenized equity markets. The discussion examines how brokers, exchanges, liquidity providers, and blockchain networks must collaborate to solve hard market structure problems including market making, settlement, redemption, execution quality, and compliance controls while expanding access without recreating the fragmentation that plagues legacy systems.

Now that stablecoins are here, who captures the value? As banks, fintechs, and crypto firms compete to own the customer, Fireblocks CEO Michael Shaulov breaks down the data, the shifts underway, and who risks becoming the dumb pipe.

The industry frames borderless finance as a cross-border problem. But for millions of Americans, cross-border payments will only be beneficial if U.S. infrastructure strengthens in parallel. The last mile of money movement is where the promise of borderless finance is realized.

Consumers may be open to AI interpreting their financial lives, but should it be allowed to initiate actions, move money, or make recommendations without new guardrails? This session explores how consumer-permissioned data intersects with agentic AI, liability, privacy and trust

Agentic AI is colliding with payments rails and commerce platforms, and the rules are being rewritten. This panel with leaders from leading technology and financial infrastructure companies explores where strategies diverge, what infrastructure is required, and what comes next across architecture, risk, ops readiness, innovation, and customer experience.

Moving money at scale requires coordination across liquidity, prefunding, foreign exchange, regulatory accounts, and settlement timing. This session examines how global payment platforms initiate and execute cross-border transactions with a focus on how high-growth platforms navigate liquidity management across markets and regulatory fragmentation to deliver speed, reliability, and cost efficiency.

AI agents act, decide, and transact independently. The debate often casts them as good or bad, but the real challenge is accountability: how do we bind autonomous activity to humans, ensuring trust and responsibility when outcomes matter, without stifling innovation?

This session reframes tokenization as financial infrastructure not speculation and explores why adoption depends on clearer narratives, stronger infrastructure, and institution-ready design. The discussion examines how tokenization reduces friction in ownership and settlement, the critical distinction between wrapped and originated tokenization, and how it could reshape traditional structures like ETFs by enabling more global, programmable, and fractional access to assets.

Discover, how this partnership worked together to build toward repeatable revenue, and the path to a meaningful exit when you’re building in AI and finserv

The future of business payments is software-defined. As card infrastructure commoditizes, value shifts to software controlling how payments happen. Virtual cards are now programmable tools in platforms, enabling automation, real-time controls, and visibility.

Agentic AI promises to democratize finance but only if the trust layer holds. This panel brings together the acceptance side, the network, and the issuing bank to trace an agent’s transaction end to end and find where identity, trust, and compliance gaps actually are.

Fraud is evolving faster than the rules designed to stop it. Industry leaders explore how data sharing, AI, and identity verification are redefining how fintechs and their partners stay ahead of bad actors – and the vital need for a national fraud prevention strategy.

By the 2010s, finance had entered extended de-risking. FX was a game played between G7 economies, and the emerging world’s needs were ignored. How do we build infrastructure robust enough to survive an uncertain future and comprehensive enough to cover every market on the planet?

AI is moving beyond copilots into agents that transact and decide in real time. Where are we today? This panel explores what’s live, what’s hype, and what’s next, from use cases to infrastructure, shaping the future of self-driving money and fintech.

This panel will explore Agentic Payments, where AI agents independently negotiate, authorize, and settle transactions, and the rapid institutionalization of digital assets in banks across the world.

Explore how enterprise cloud infrastructure, programmable Stablecoin rails, and micropayment protocols are converging to power the agentic commerce revolution, and the critical compliance frameworks every financial institution must build now.

Silicon Valley built the software, but the next phase of the digital economy is constrained by power, compute, and infrastructure. As regions like Texas rise, economic influence is shifting, reshaping where capital flows and how tech and financial markets evolve.

If you see stablecoins only as payments, you’re missing the point! They’re building new financial rails where money becomes the message. This panel explores what that means for TradFi players looking to capitalise on the shift.

The organisations winning today partner across ecosystems to deliver scalable customer engagement. Mastercard, Airport Dimensions and Priority Pass explore how partnerships transform customer experience into growth, enabling acquisition, engagement and retention.

Unbanked was yesterday’s problem. Today it’s credit access. Fintechs and FIs are using modern data and infrastructure to surface “invisible prime” consumers unlocking affordable lending for millions, especially younger generations.

The U.S. has no unified digital identity system and every fintech, lender, and bank is actively building around this gap. This session examines what’s broken in the current identity infrastructure landscape and explores how different approaches to digital identity verification are emerging across the financial services ecosystem, and what that means for security, access, and interoperability.

Set against a shifting regulatory landscape, fintech operators who have received bank licenses,debate the pros/cons of fintechs buying banks, pursuing charters, or partnering and the real costs, complexity, and consequences.

Cross-border payments are at an existential crossroads: margins commoditizing, stablecoins & new rails lowering costs, AI driving “lowest-cost-per-trx” routing, and consolidation accelerating. How must banks & XB players adapt to win?

Six years after “every company will be a fintech,” fintechs are racing to become AI companies. Leading venture capital investors discuss how they’re looking beyond the AI hype to focus on the application layer, why durable businesses solving mission-critical workflows will win the next wave, and how regulatory and compliance nuances may slow AI adoption, preparing founders for potential hurdles ahead.

Banks say they’re customer‑centric, but most are still built around products, not customer goals. This panel explores how bank–fintech partnerships, embedded finance, and fintech‑as‑a‑service help banks reorganize around outcomes and innovate faster without sacrificing trust.

Tokenized RWAs and stablecoins are creating a powerful flywheel: more liquidity, faster settlement, broader access, and new use cases. Explore how this dynamics is accelerating the next era of payments and financial markets.

The decisions that make or break financial institutions, from detecting fraud to assessing credit risk, demand hours of manual work. Learn from the industry leaders and AI researchers discovering how AI can accelerate decision-making and create more intelligent experiences.

Stablecoins aren’t just for big banks. This session will explore how digital assets platforms are democratizing access for small and midsized FIs, and where these FIs are moving from strategy to execution. We’ll unpack what’s live, what’s next and going from pilot to production

Fintech went digital, but many high-stakes money decisions still happen face-to-face. This panel explores how AI can empower frontline providers, not replace them, and why the next wave of fintech will be built around real-world, in-person decision moments.

As embedded finance grows, fraudsters adapt. This session explores AI-driven risk platforms delivering real-time insights for instant payments, wallets, and open banking, helping merchants balance seamless experiences with adaptive security.

Rain’s platform: 150M+ merchants, 150 countries, 30x YoY growth. ICONIQ’s Kamran Zaki joins Rain CEO Farooq Malik & Head of Product Pooja Shah on building compliant, global infrastructure — and capturing the window to define enterprise payments for the next decade.

Leaders that serve SMEs are embedding AI into their underwriting processes and software solutions, unlocking value & deriving insights for more predictive decision-making. The result? Greater visibility into cash flow, stronger cyber resilience, & more access to capital.

As social platforms move into financial services, identity gets complicated fast. This session explores what fraud, identity, and member trust look like when a social platform operates like a financial institution and what it takes to stay ahead.

Financial products and systems are growing more complex, while customers increasingly expect simplicity.This session explores how marketing, communications, and product teams translate complexity into clear, intuitive experiences and narratives that drive trust and adoption.

In times of rapid change, trust becomes a growth strategy, not a soft metric. This panel explores how brands build confidence across touchpoints, from messaging and media to product and support, and why trust drives long-term real advantage.

PenFed leverages AI-driven partnership with Snowflake to boost member experiences and efficiency. Achievements: labor savings, automation, faster member support, coaching, actionable insights, enhanced security, and scalable tech for lasting value and growth.

In fintech, a security breach is no longer a question of if, but when, and how you respond defines the outcome. This session examines how communications leaders manage speed, transparency, and stakeholder expectations in high-stakes moments to protect trust.

AI search is growing faster than Google. 90% of B2B buyers use AI to evaluate vendors, yet only 13% of companies have a strategy for it. Smaller brands are now outranking big ones through personalization. Learn how to stay relevant and recommended by AI.