Money20/20 Europe 2026 opened its doors at the RAI Amsterdam once again, bringing together banks, fintechs, payment companies, crypto firms, retailers, cybersecurity specialists, regulators and policy voices for one of the industry’s busiest annual gatherings.
This year’s agenda is built around four big themes: AI and the Agentic Age, The Great Rebundling, Money Stack Rewired, and Regulation in the Fast Lane. That means agentic commerce, embedded financial services, stablecoins, new payment infrastructure and the regulatory work needed to stop the whole thing becoming a free-for-all.
Unsurprisingly, many of the announcements landing around the event sit neatly across those areas. Here are some of the key updates from Money20/20 Europe 2026.
Checkout.com and Coinbase bring stablecoin payments to merchants
Checkout.com, a global digital payments company, announced a new stablecoin acceptance capability powered by Coinbase Payments, Coinbase’s payments infrastructure platform.
The launch enables eligible enterprise merchants to accept stablecoin payments from consumers, adding stablecoins alongside cards, bank transfers, digital wallets and local payment methods.
Checkout.com said the move gives merchants another way to capture global demand, particularly in markets where access to cards is uneven, local currencies are volatile or consumers already hold digital dollars.
“Stablecoins are becoming a real way for people to pay, and our job is to make accepting them effortless for merchants,” said Meron Colbeci, chief product officer at Checkout.com. “We’re adding this to a network already trusted to move billions in payments, so merchants get a new way to capture consumer preference on top of the performance they rely on, not instead of it.”
Alec Lovett, head of infrastructure products at Coinbase, said stablecoins have moved beyond future planning.
“Stablecoins are no longer a future use case; they’re a practical tool for how global commerce moves money today,” he said.
XTransfer and BBVA target Latin America-Europe trade payments
XTransfer, a B2B cross-border trade payment platform, signed a memorandum of understanding with BBVA at Money20/20 Europe to deepen cross-border payment infrastructure across Latin America and Europe.
The two companies plan to explore integrated cross-border financial solutions covering foreign exchange conversion, local payments and cross-border payments across Latin America, Europe and Hong Kong SAR.
The partnership comes as trade between China and Latin America grows. XTransfer said payment collections from Latin America on its platform rose 94 per cent year-on-year in 2025, while many SMEs still face slow onboarding, FX constraints and compliance hurdles.
Bill Deng, founder and CEO of XTransfer, said Latin America remains “an active but underserved B2B trade corridor”.
“We are pleased to sign this MOU with BBVA, enabling us to leverage their expertise to bring X-Net’s infrastructure directly into the region,” he said. “Together, we aim to simplify cross-border finance and improve the efficiency and inclusivity for global traders.”
Money20/20 and FXC Intelligence put cross-border payments under the microscope
Money20/20 and FXC Intelligence released a new report at the event examining Europe’s cross-border payments market.
The report – Europe’s Cross Border Payments Crossroads: The Current State and Future Potential of the Industry in 2026 – analysed more than 1,000 cross-border payments industry articles across 14 European markets.
It found that Europe, the Middle East and Africa accounted for $21.1 trillion in outbound retail cross-border payments in 2025, representing 48 per cent of global outflows. That figure is projected to rise to $30.8 trillion by 2033.
Stablecoins, tokenisation and blockchain appeared in 35 per cent of the articles analysed, making them the most discussed cross-border payments topic in Europe.
Lucy Ingham, VP of research at FXC Intelligence, said Europe is trying to shape its own payments future.
“What stands out from this research is that Europe is not simply reacting to global payments transformation; it is actively trying to shape its own future through interoperability, real-time infrastructure and new approaches to financial sovereignty,” she said.
IFX Payments enters next phase with ibanq 2.0
IFX Payments, a service-led alternative banking partner, used Money20/20 Europe to mark a new phase of growth, with senior leadership changes, a rebuilt platform and a new London headquarters.
The company has rolled out ibanq 2.0, a ground-up rebuild of its proprietary payments and treasury platform. The new infrastructure provides faster onboarding, broader currency coverage and a single connection to payment rails, serving both fintech and corporate clients from one architecture.
IFX also announced changes to its senior team, including Adam Dowling moving into the role of chief commercial officer, Anastasia Evans becoming chief operating officer and Murat Ates taking up the role of chief product and technology officer.
Will Marwick, CEO of IFX Payments, said the update reflects “a defining moment” for the business.
“The team we have in place provides us with exceptional expertise and leadership, while the rollout of ibanq 2.0 demonstrates what continual innovation looks like in this fast-paced sector,” he said.
TransferMate launches FX hedging product
TransferMate, an embedded B2B payments infrastructure provider, launched a new FX hedging product with integrated risk management capabilities at Money20/20 Europe.
The solution brings together FX forwards, spot FX, multi-drawdown hedging, global payments, receivables and virtual accounts within a single platform. It is designed to help businesses manage currency volatility and improve certainty over future cross-border cash flows.
The first vertical using the new capabilities is the broker market, with a white-labelled solution tailored to broker workflows.
Gary Conroy, president and chief commercial officer at TransferMate, said too many organisations still operate across disconnected systems.
“Too many organisations are still operating across disconnected systems that separate FX, payments, receivables and settlement workflows,” he said. “By bringing those capabilities together into a single integrated experience, we are helping customers manage risk more effectively while simplifying how international payments are handled.”
Silverflow removes the terminal gateway
Silverflow, a cloud-native payments processing platform, introduced Terminal-to-Cloud, a new API that allows payment terminals to connect directly to Silverflow’s processing platform.
The product removes the need for a third-party terminal gateway, replacing the traditional host-to-host model with a single direct connection between terminal and processing host.
Silverflow said the approach reduces cost, operational overhead and points of failure for fintechs and acquirers building modern payments infrastructure.
Paul Buying, co-founder of Silverflow, said the traditional model often forces fintechs to take on unnecessary gateway relationships.
“The traditional model asks fintechs to take on a gateway relationship they don’t need just to get terminals talking to a host,” he said. “Terminal-to-Cloud changes that. We’ve built a direct connection using modern technology, so our clients get the reliability and simplicity they expect without carrying the weight of old gateway infrastructure.”
Worldline and ING complete agentic payment in production
Worldline and ING announced the completion of a live end-to-end European agentic payment transaction in production with Mastercard.
The transaction took place between an ING cardholder and a merchant in the Netherlands, using Worldline’s payment infrastructure and Mastercard’s network. The companies said the same underlying infrastructure is available across Belgium.
In the example provided, a merchant’s AI agent identifies concert tickets within a consumer’s budget, presents a curated selection and completes the transaction only after the consumer gives explicit approval.
“Agentic commerce is no longer theoretical, it is production-ready today,” said Madalena Cascais Tomé, member of the executive committee at Worldline. “Together with ING and Mastercard, we are making agentic payments a seamless and secure reality.”
Hans Overeem, head of payments at ING Netherlands, said the collaboration lays “a solid foundation” for ING’s role in an increasingly agentic future in banking.
ThetaRay turns money mule detection into a game
ThetaRay, an AI infrastructure provider for financial crime compliance, unveiled Spot The Money Mule at Money20/20 Europe.
The online game is a compliance twist on Where’s Waldo, challenging players to find a money mule hidden in busy everyday scenes, including Schiphol Airport and a Dutch tulip festival.
Behind the lighter format, ThetaRay is using the launch to draw attention to money mule recruitment and the role of AI in detecting behavioural patterns across large volumes of transactions.
Garima Chaudhary, VP financial crime and compliance AI at ThetaRay, said modern threats often blend into digital life.
“In the AI age, the most dangerous threats are those that blend perfectly into the speed of our digital lives,” she said. “While humans struggle to spot one person in a crowd, our AI monitors behavioural baselines to detect invisible patterns in millions of transactions that are undetectable to the naked eye.”
Experian launches Agent Operating System
Experian, the global data and technology company, rolled out Agent Operating System, a trusted agentic AI layer within the Experian Ascend Platform.
The system is designed to help financial services organisations scale agentic AI with controls, auditability and human oversight. It allows AI agents from Experian, clients and partners to work together through a common trust, semantic and orchestration layer.
ServiceNow will be the first partner to integrate with Experian’s Agent Operating System.
Vijay Mehta, general manager AI at Experian Software Solutions, said financial services firms need to move beyond experimentation.
“Agentic AI will reshape financial services, changing how decisions are made, how customers are served and how organisations operate at scale,” he said. “This is no longer about experimentation. The winners will be those who turn AI into trusted operational reality, built on high quality data, strong governance and transparency in every decision.”
Hey Savi and PayPal launch UK agentic commerce platform
Hey Savi launched what it describes as the UK’s first agentic commerce experience with native checkout powered by PayPal.
The AI-powered fashion search platform lets shoppers search by photo, screenshot or text and receive ranked results across more than 10,000 brands. PayPal’s agentic commerce services then support in-app purchasing, with Debenhams Group joining as the first UK retail adopter.
Debenhams Group brands including Debenhams, Karen Millen, Boohoo and Pretty Little Thing will be part of the initial rollout.
Victoria Peppiatt, co-founder of Hey Savi, said the platform was built to make online shopping easier for women by prioritising relevance over paid placements.
“Until now, online shopping could be long-winded and inefficient for the customer: a redirect, a forgotten password, a site that didn’t carry the right size,” she said. “Hey Savi simplifies it.”
Mike Edmonds, vice president of agentic commerce and commercial growth at PayPal, said the launch shows how agentic commerce can connect inspiration and transaction.
“Shopping now starts with a screenshot or a creator post, but the path to purchase doesn’t move at the same speed,” he said.
