Money20/20 and FXC Intelligence Research Reveals North America Leading Global Payments Revolution with 71% of Experts Predicting Significant Regional Transformation by 2035

LAS VEGAS: Money20/20, the world’s leading fintech show, and the place where money does business has launched the report: How will North America’s money move in the future? A 2025 view of 2035, a report by Money20/20 and FXC Intelligence, reveals how North America is on the cusp of a payments revolution, offering a look at the future of money movement from 2025 to 2035. In it, a massive 97% of fintech experts expect moderate or significant change to the region’s cross-border infrastructure over the next decade, among other indicators of maturation and technological innovation.

The report, coinciding with the start of Money20/20 USA 2025 in Las Vegas, forecasts total cross-border payments volume for the Americas to climb from $8.8 trillion in 2024 to a staggering $13.1 trillion by 2032. The growth is expected to be powered by a new wave of rail modernization and policy changes that is unlocking scale across the Americas.

“The payments landscape, especially in North America, is undergoing a tremendous shift,” said Micky Tesfaye, Head of Audience Development at Money20/20. “We’ve been anticipating these changes for years, but now with the policy green light on stablecoins and the drive for real-time infrastructure from mainstay financial institutions, the next decade’s worth of changes and integrations will finally manifest. The race to capture the $13.1 trillion market is on, and it’ll be a full-on tech sprint.”

The study reveals that industry leaders anticipate a faster, more complex, and stablecoin-integrated future.

• Significant Change Expected: 71% of experts anticipate the shift will be significant in North America, which is actually higher than the outlook for both Europe and Asia.

• Stablecoin Adoption at a Global Peak: Optimism for stablecoins as a critical technology is highest in North America (59%) compared to Asia (30%) and Europe (39%). The report cites the recent passage of the GENIUS Act in the U.S. as the key catalyst.

• Real-Time is the Top Priority: 91% of experts named real-time payments as one of the most critical technologies for the region’s future development, referencing the momentum to systems like FedNow and the upcoming Real-Time Rail upgrade in Canada.

• Business Drives Volume: B2B and B2C payments already constitute 86% of the Americas' cross-border payments volume, and over half of experts (52%) expect B2B payments to see the biggest future improvements in North America.

The report also emphasizes that solving the infrastructure challenge, which experts predict will be either more or less fragmented, but certainly not simpler, requires collaboration.

• Partnerships are Essential: A strong majority, 86%, believe partnerships and cross-organization collaborations will have a significant impact on tackling sector challenges.

• Collaboration Over Single-Player Dominance: The most popular response regarding who will drive future development was “a collaboration of the above” (45%), outpacing single organization types like fintech startups (23%) and banks (11%).

“The data clearly shows the industry is embracing interoperability, with 80% calling it very or extremely important,” said Daniel Weber, CEO of FXC Intelligence. “The winners in this new era will be those that master API-driven connections and collaboration to seamlessly integrate traditional, real-time, and stablecoin rails.”

The full report is available to download here.

About Money20/20

Launched by industry insiders in 2012, Money20/20 has rapidly become the heartbeat of the global fintech ecosystem. Over the last decade, the most innovative, fast-moving ideas and companies have driven their growth on our platform. Global leaders like Mastercard, Wise, J.P. Morgan, SHIELD, Convera, Stripe, Google, VISA, Adyen, and more make transformational deals and raise their global profile with us. Money20/20 attracts leaders from the world’s greatest banks, payments companies, VC firms, regulators and media platforms-convening to cut industry-shaping deals, build world-changing partnerships and unlock future-defining opportunities in Las Vegas (26-29 October 2025), Bangkok (21-23 April 2026), in Amsterdam (2-4 June 2026), and in Riyadh (14-16 September 2026). Money20/20 is where the world’s fintech leaders convene to grow their businesses. We’re Where Money Does Business. Money20/20 is part of Informa Festivals. Follow Money20/20 on X and LinkedIn for show developments and updates.

About FXC Intelligence

FXC Intelligence is the industry leader in cross-border payments data and intelligence. Our data is used by a number of international bodies, including the World Bank and the Financial Stability Board. The world’s biggest banks, payments and big tech companies use our critical data to make vital decisions that shape their day-to-day operations, product development and strategy.

We track pricing, market size and product changes as they happen and update our dataset at high frequency, giving our clients the competitive edge they need to stay on top in a rapidly changing market. Our platform, built on top of our data, offers solutions such as price engines and sales enablement tools to drive our clients growth and profit. Our data gives us a unique understanding of cross-border payments and we share our analysis and insights every week with subscribers to our newsletter, the most widely read in the cross-border payments market globally. Alongside its data and intelligence products, FXC Intelligence produces high-quality external marketing reports for the industry through its Custom Marketing Reports product.

Fonte: Business Wire