The Future of Money Movement: Can Web3 Finally Replace the World’s Payment Rails? With XDC Network

In Episode Six of THE SHIFT, Danny Levy explores one of the biggest questions facing financial services today:What if the future of global payments isn’t built on new apps… but entirely new rails?For decades, the infrastructure powering cross-border money movement has remained largely unchanged—reliable, trusted, but often slow, expensive, and fragmented.At the same time, a new generation of technologies is emerging. Blockchain networks, stablecoins, tokenised assets, and programmable settlement layers are promising a radically different way for money to move around the world.But how much of this is real innovation—and how much is still hype?Joining Danny is Santosh Vishwasrao, Head of Payments at XDC Network, where he works at the intersection of traditional financial infrastructure, blockchain technology, and next-generation payment systems.Recorded onsite at Money20/20 Asia, this conversation explores what happens when Web3 moves beyond speculation and starts solving real-world payment challenges.The conversation explores:Why the current global payments system still relies on decades-old infrastructureWhether blockchain is replacing traditional rails—or enhancing themWhere XDC Network fits alongside established networks like SWIFTReal-world examples of cross-border payments already happening on-chain todayWhy stablecoins, tokenisation, and blockchain settlement are gaining momentumThe biggest barriers to adoption, from regulation to risk and market readinessHow cards, crypto, and traditional banking rails are beginning to convergeWhy emerging markets may adopt these technologies faster than developed economiesThe role of CBDCs in the future financial ecosystemWho stands to win—and lose—as the next generation of payment infrastructure emergesDrawing on Santosh’s experience across payments, digital assets, and financial innovation, the discussion cuts through the noise surrounding Web3 and focuses on what is actually happening today—and what could change over the next 3–5 years.Grounded, practical, and highly relevant for leaders across banking, fintech, payments, and digital assets, this episode examines the infrastructure layer quietly reshaping the future of money movement.Because this isn’t just about blockchain.It’s about who controls the rails that move money around the world.That’s THE SHIFT.