Episode Details

Today we are joined by Anthony Ralphs, Founder of Nova Modus and former Ripple, to discuss the future of money, payments and financial infrastructure.

In this conversation, we explore stablecoins, CBDCs, tokenisation, interoperability, banking, AI and the evolution of global payments. Anthony shares his perspective from years working across fintech, payments, standards, Swift, banking and crypto, including his time at Ripple and his view on why decentralised, efficient networks matter.

We also discuss whether stablecoins are mainly a retail solution or something that could eventually reshape world trade, why CBDCs are often misunderstood, how on-chain transparency could change public trust, and why technologies like the XRP Ledger were designed with efficiency in mind.

This is a deep conversation about how value moves, how financial systems are changing, and what the next generation of digital money could look like.