Late last year, I stood on stage at a fintech summit in Singapore talking about digital identity, stablecoins and tokenization, surrounded by leaders from central banks, blockchain startups, and AI innovators. It was one of those moments where you could feel history nudging forward. Discussions that used to live in niche corners of crypto Twitter now center stage about programmable money, the fragility of global currencies, and the reinvention of financial infrastructure.

There was an electricity in the air, not of fear, but of change. What struck me most was the shared understanding across sectors: the old financial rails weren't just aging. They were being replaced, reimagined, and rebuilt.