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As stablecoins, CBDCs, tokenisation and AI-driven commerce move from theory to reality, businesses face a rapidly changing regulatory landscape. Whilst the US embraces private digital money through stablecoins and China doubles down on state-controlled digital currency, the UK and Europe are pursuing their own paths. The winners may not be those with the best technology but those operating in jurisdictions that provide legal certainty, regulatory credibility and the flexibility to adapt as digital finance evolves.
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