By Rowan Akin-Smith, UK & North America Sales Director at Vyntra Canada’s payments infrastructure is entering a more demanding phase. As the Real-Time Rail (RTR) moves through testing ahead of its phased launch and ISO 20022 reshapes the flow of payment data, financial institutions are facing a more immediate question: are their operations ready for real-time payments, not just technically but operationally. That question came through clearly at Payments Canada SUMMIT. The in

An interview with Todd Pollak by Sean Murphy Hold a payment card up to the light and it looks like a settled object, a fixed thing with a number, an expiry date and a single account behind it. Todd Pollak would like you to imagine it differently. In the version of the card he describes, one side is a debit account and the other is a loan and which one you use is a decision you make in an app on your phone, in the seconds before you tap. Tap once and the money leaves your curr

Ripple has taken equity stakes in two infrastructure firms, transfer agency specialist ZILO and FCA-regulated tokenisation platform Licuido, in a move designed to let institutions put tokenised fund shares to work as collateral rather than leave them parked on a balance sheet. Announced on 3 August 2026 from London, the investments convert two existing commercial partnerships into ownership positions and add regulated record-keeping, issuance, and collateral-mobility capabili

An interview with Joe Wilson, by Sean Murphy When Joe Wilson tries to count the countries he has lived in, he hesitates for a moment before settling on the answer. Three continents, seven countries, the Netherlands three times. He has just moved to Amsterdam from a life split between Seattle and New York. None of this is offered as a CV recital. It comes up because we are talking about bunq, and bunq has built itself around exactly the kind of life Wilson describes. Wilson is