The New Intersection of Money Where TradFi and DeFi Converge

Acknowledgment. Chapter 1. Welcome to the Intersection. Chapter 2. Regulation Unpacked. Chapter 3. Stablecoins and CBDCs Transforming Cross-BorderPayments. Chapter 4. Tokenize Everything for Everyone. Chapter 5. Fraud Eats the World. Chapter 6. Financial Infrastructure That Never Sleeps. Chapter 7. The Future: Where We Go Next. APPENDIX A: DeFi Concepts Demystified. APPENDIX B: Acronym List

Biography

Scarlett Sieber, Chief Strategy and Growth Officer at Money20/20 and bestselling author, leads the editorial team from Money20/20 working at the forefront of global fintech. For The New Intersection of Money, she is joined by Ian Fong, Tina Loncaric, Dhanum Nursigadoo, Virginia Pereira Alvarez, and Kinga Swiderska, senior leaders bringing experience and background from MENA, Asia, the US, Europe, and LATAM, offering a truly global perspective on the future of finance.

“This book captures a pivotal moment for global payments. The convergence of Traditional Finance and Decentralized Finance will transform cross-border money movement from a simple transaction to a programmable event with the ability to send, spend, save, reward and invest all within the store of value called stablecoin.”

Devin McGranahan, CEO of Western Union

"In this book, Scarlett Sieber captures the critical juncture we are at today. At Circle, we see every day how programmable money is transforming the 'nuts and bolts' of the global financial system. The New Intersection of Money provides the necessary roadmap for how regulated dollar stablecoins like USDC are moving value at the speed of the internet, unlocking 24/7 liquidity and finally solving the 'missing money' problem for businesses worldwide."

Kash Razzaghi, Chief Commercial Officer, Circle

"This book highlights the shift to a financial system operating at internet speed. The merging of Traditional and Decentralized Finance is underway, driven by tokenized deposits and continuous liquidity. Scarlett demonstrates how businesses use these tools to boost efficiency, eliminate time limitations, and transform global financial infrastructure."

Ryan Rugg, Global Head of Digital Assets, Citi TTS

“This book captures the moment the industry has been moving toward for years. The convergence of Traditional Finance and Decentralized Finance is happening in real time and the companies that recognized the need for regulatory clarity early are now driving the next wave of financial infrastructure. This book lays out the global landscape with precision and shows how programmable, compliant and scalable digital money is becoming the foundation for modern finance.”

Chris Harmse, Co-Founder and CBO of BVNK

“This book captures the global movement toward a more inclusive, interoperable and digitally native financial system. The convergence of Traditional Finance and Decentralized Finance is transforming how people access and move money, and the advances across the Philippines show what is possible when innovation and inclusion move together.”

Lito Villanueva, Chief Innovation and Inclusion Officer, Executive Vice President, RCBC; Digital Enterprise and Innovations Group Head, Chief Digital Transformation Advisor, YGC

“This book captures the reality of financial infrastructure as it exists today, not as people imagine it. The convergence of Traditional Finance and Decentralized Finance is happening on the ground in markets where reliable payments and stable value matter most. Scarlett and the team highlight how programmable, compliant, and real time stablecoin infrastructure is transforming international payments and unlocking economic opportunity across Africa and beyond.”

Chris Maurice, CEO of Yellow Card

“This book captures one of the most important shifts underway in financial services today: the convergence of traditional finance and digital asset infrastructure. In regions like Latin America, stablecoins and new payment rails are already making finance more efficient and accessible. Understanding this transition will be essential for anyone building the next generation of financial services.”

Daniel Vogel, Co-Founder & CEO, Bitso