Author: Rinat Mirzaitov

Ripple’s recent activity in Europe offers a clear signal of where parts of the crypto industry believe the market is heading. Through regulatory licensing, public positioning on stablecoins, and forward-looking market forecasts, the company is making a case that digital assets’ next phase will be defined less by disruption and more by integration with the existing financial system. That shift matters for Europe. As the European Central Bank advances work on a digital euro, and lawmakers implement the EU’s Markets in Crypto-Assets regulation, the boundary between public money, bank money, and regulated private digital money is becoming a central policy…

The European Central Bank is sharpening its message to commercial banks: in a fully digital economy, issuing traditional account money will no longer be enough. According to Fabio Panetta, commercial bank money will need to become fully digital and tokenised, evolving alongside a future digital euro to remain relevant and to anchor Europe’s monetary system. Speaking in Milan to Italy’s banking association, Panetta argued that both central bank money and private bank money will continue to form the backbone of the financial system, but only if they adapt to a world where assets and payments increasingly exist in digital, token-based…

Klarna has launched instant peer-to-peer payments in 13 European countries, expanding its banking offer beyond buy now pay later and cards into everyday money transfers. The new feature allows users to send money directly from the Klarna app, a step that strengthens Klarna’s position as a full-service digital bank rather than a checkout-focused payments provider. The rollout, announced on 14 January 2026, covers Belgium, Denmark, Finland, France, Germany, Italy, the Netherlands, Norway, Poland, Portugal, Spain, Sweden, and the United Kingdom. Klarna says the service is designed to feel as simple as handing over cash, while offering the protections of a…

The European Central Bank has laid out the most concrete plan yet for testing a digital euro in real payment scenarios, confirming a 12-month pilot starting in the second half of 2027 and setting a working assumption for potential issuance in 2029. The new details, presented during an ECB focus session on 15 January, mark a clear shift from conceptual design to execution planning, with implications for banks, payment firms, and EU lawmakers alike. At the heart of the announcement is the confirmation that the Eurosystem is now in a “technical readiness phase”, which began in November 2025 following a…

The European Central Bank is increasingly presenting the digital euro as more than a payments project, positioning it instead as part of Europe’s broader response to a more fragile, fragmented and uncertain global economy. In speeches delivered in mid-January, senior ECB figures linked digital public money to monetary sovereignty, financial stability and Europe’s ability to withstand geopolitical shocks. Speaking on 14 January, the European Central Bank argued that the foundations of the global economic order are shifting in ways that directly affect the euro area. Trade fragmentation, geopolitical tensions and growing reliance on non-European financial infrastructure are no longer abstract…

Wall Street’s largest banks are pushing back expectations for US interest rate cuts, signalling a growing consensus that the Federal Reserve will keep policy tight for longer as the labour market remains resilient. The shift follows December employment data that, while softer on headline job growth, failed to show the kind of deterioration that would force early easing. According to Reuters, J.P. Morgan now expects the Fed’s next move to be a rate hike in 2027, withdrawing its earlier outlook for a cut this year. The bank cited a falling unemployment rate and steady wage growth as evidence that labour…

The US digital investment platform Betterment has confirmed a data breach after hackers used compromised third-party systems to send fake crypto scam messages to customers, underscoring how social engineering has become one of the most persistent security threats facing fintech firms. The incident, disclosed on January 12, did not involve access to customer accounts or assets. But it did expose personal data and allowed attackers to impersonate Betterment in official-looking communications, a scenario that regulators and financial institutions across Europe are increasingly wary of. According to Betterment, an unauthorised actor gained access on January 9 through social engineering tactics targeting…

Ethereum co-founder Vitalik Buterin has renewed debate over the future of digital money by arguing that today’s decentralised stablecoins remain fundamentally flawed. In a recent post on X, Buterin outlined why current designs fall short of supporting a resilient, long-term digital monetary system, a critique with clear relevance for Europe’s digital euro debate. Buterin’s central claim is that decentralised stablecoins have not yet solved three core problems. First, most remain tightly anchored to the US dollar, importing the economic and political assumptions of a foreign currency into global crypto markets. Second, they rely on price oracles that can be influenced…

As fintech looks toward 2026, the biggest shifts may not be where growth accelerates fastest, but where long-held assumptions quietly break down. According to a recent analysis published by Forbes, founders and investors should prepare for a period defined less by hype and more by uncomfortable realism. Rather than fuelling frictionless global expansion, artificial intelligence is likely to slow it. While AI makes localisation cheaper, Forbes argues that regulatory complexity, capital discipline, and trust remain decisive barriers in financial services. The result is not global blitzscaling, but rapid local replication of proven business models. Depth in a home market, not…

Europe should no longer expect a return to economic normality. That is the core message from Christine Lagarde, who argues that volatility, fragmentation, and social division are no longer temporary shocks but structural features of the global economy. Speaking in a reflective interview at the European Central Bank in Frankfurt, Lagarde laid out a worldview that helps explain the ECB’s cautious, trust-focused approach to policy, including its work on the digital euro. The ECB president describes a world that has become more prone to shocks and less coherent, shaped by geopolitics, technological change, and widening inequality. This is not a…