Payments Insights

BoE vs Genius vs MiCA The Bank of England published its UK framework and draft Code of Practice for systemic sterling stablecoins. With the US GENIUS Act and the EU’s MiCA already in place, the UK has now joined the trio of major regulatory regimes shaping the future of stablecoins. Three frameworks. Three different approaches. One growing headache for global treasuries. This post breaks down what the BoE just released in London — and why it matters for payments professionals

Tokenized Deposits are coming! Clarifying the Terminology "Tokenized deposits" currently refer to at least three distinct structures, and understanding these differences is crucial for strategic planning: Intrabank Settlement Networks (e.g., Signet, SEN-style models) — involve book transfers between clients within the same bank. These are often marketed as blockchain solutions but are essentially fast databases, requiring no interbank reserve settlement. The "Mirror" Model —

GENIUS Act, Stablecoins & Big Banks' Fightback — What Every CFO, Treasury Team & Payments Executive Needs to Know

The future of shopping isn't just AI helping you decide what to buy. It's AI agents doing the buying—autonomously comparing options, negotiating (or at least applying your rules), and completing the transaction while you focus on higher-value work. This is agentic commerce, and it's accelerating faster than most expected. What Agentic Commerce Actually Means (in Plain English) Imagine telling your AI assistant: "Restock my household essentials under $150 total, prioritize eco

In a real-world asset (RWA) tokenization deal, physical or traditional financial assets (e.g., real estate, invoices, treasuries, private credit, funds, or commodities) are converted into digital tokens on a blockchain. This enables fractional ownership, liquidity, transparency, and integration with DeFi or traditional finance. A typical deal involves a mix of traditional finance (TradFi), blockchain, and regulatory participants. Roles can overlap depending on the asset type,

The most dangerous phrase in B2B finance right now is: “our AP works fine.” Fine is the enemy of optimal. And in 2026, the gap between “fine” and “optimized” is widening fast — with measurable consequences for working capital, supplier relationships, and competitive positioning. Here’s your complete B2B payments deep dive for this week. 1. The Wake-Up Call: Comfort Is Hiding the Cost Fresh data from a PYMNTS Intelligence and The Clearing House survey of 271 senior finance and