Stablecoins get the headlines, but Southeast Asia’s real fintech moat in 2026 is settlement finality: the interoperability and audit layer that lets tokenised money move between banks, currencies and ledgers. MAS’s wholesale CBDC trials, live bank tokenised deposits and Project Nexus show why.
Stablecoins get the headlines, but Southeast Asia’s real fintech moat in 2026 is settlement finality: the interoperability and audit layer that lets tokenised money move between banks, currencies and ledgers. MAS’s wholesale CBDC trials, live bank tokenised deposits and Project Nexus show why.
Southeast Asia already solved the consumer-facing scan. The real payments moat now is recoverability: transaction search, structured references, control layers, and 24/7 settlement that keep trust intact after money moves.
Southeast Asia already solved the consumer-facing scan. The real payments moat now is recoverability: transaction search, structured references, control layers, and 24/7 settlement that keep trust intact after money moves.
