As businesses become more digital and connected, the challenge is no longer just speed, but how payments support visibility, liquidity, compliance, and reconciliation. Meeting these expectations takes more than improving existing rails. It requires stablecoins, tokenized deposits, and CBDCs, collectively defined as accelerated intelligent money.
While 70% of banking executives expect intelligent money and instant payments to converge, only 21% of banks are scaling an instrument, and 36% of B2B payments flow through non-banks.
The report outlines three priorities:
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