Get updatesThe Future of Money
Proposed Institute for the Future of Money
Understand the future of money. Prepare for what changes.
Independent research and clear guidance on how money is changing, what it could mean for everyday life, and the decisions facing institutions and communities.
For institutions and leaders
Explore the Research →Public Understanding
Financial infrastructure is changing. People deserve to understand it.
The Future of Money’s Consumer Financial Infrastructure Initiative translates complex changes in payments, digital money, identity and financial access into clear, evidence-based public knowledge.
We begin with a foundational guide to the systems shaping how money moves—how they work, how they may affect everyday financial life, and what transparency, protection and accountability people should expect from the institutions that build and govern them.
Public Guide No. 001
The Financial System Is Changing
What Consumers Should Know About the Infrastructure Shaping How Money Moves
A plain-language guide to stablecoins, tokenization, artificial intelligence, digital identity, embedded finance, consumer risk, and the Human Layer of financial infrastructure.
Research Paper No. 001
The Human Layer of Decentralized Finance
A decision briefing for leaders navigating the trust, governance, incentives, and adoption pathways behind decentralized financial infrastructure.
The Future of Money Research001The Human Layer
of Decentralized
FinanceTechnology creates possibility.
Coordination creates implementation.
of Decentralized
FinanceTechnology creates possibility.
Coordination creates implementation.
Six executive findings
- Technology alone does not create adoption.
- Trust must be designed across institutions and networks.
- Governance is operating infrastructure.
- Incentives determine durable participation.
- Institutional adoption is a coordinated pathway.
- The human layer is the strategic differentiator.
Practical questions
Payment costs
Could sending money become faster?
Access to money
Who holds my money?
Identity
What does this digital record actually give me?
Privacy
Responsibility
How do I get help if an automated decision is wrong?
The Human Layer
Comprehension, choice, accountability, access and recovery
Institutional independence is the evidence behind the public promise.
Comprehension
Choice
Accountability
Access
Recovery
Our Approach
From insight to impact
Research & Inquiry
Identify consequential questions at the intersection of finance, technology, markets, policy, and society.
Executive Dialogue
Convene leaders across institutions and disciplines to test assumptions and deepen understanding.
Published Intelligence
Translate research and dialogue into rigorous publications and actionable institutional insight.
Strategic Collaboration
Work with institutions and leaders to advance responsible innovation and strengthen financial infrastructure.
The Founding Salon · Invitation only
Invisible Finance
The Human Infrastructure Behind the Next Generation of Global Payments
Q1 2027Las VegasVenue confirmation forthcoming
25 senior leaders. One private room. One consequential conversation.
Request a Salon InvitationSupport strengthens the work but does not direct conclusions.
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