{"content":"The Federal Reserve has announced a conference on payments innovation, focusing on emerging topics such as stable-coins use-cases, tokenization of financial products, and the intersection of artificial intelligence and payments. The FedNow® Service (the Fed’s instant-payments infrastructure) is seeing strong momentum: over 1,400 participating institutions, growing volume and new use-cases (instant payroll, auto-loan disbursements, real-estate transactions, etc.). Key focus areas / challenges Making sure payments are 24 × 7 × 365, real-time, and accessible to businesses & consumers across the U.S. Ensuring payments innovation remains safe, efficient, and inclusive, with appropriate risk-management (fraud, cybersecurity) and robust infrastructure. Addressing the implications of newer technologies (tokenization, stablecoins, AI) in payments — how these will be governed, regulated and integrated into the broader system. As payments move faster and more digitally, the infrastructure and standards need to evolve to avoid bottlenecks, fragmentation or systemic risk. If the Fed and industry succeed in modernising payments, it can mean faster fund access for end-users, better cash-flow for businesses, and lower costs overall. But missteps (or slow reforms) could leave parts of the financial system exposed (fraud risk, exclusion of smaller players, old rails becoming obsolete). #FedPaymentsInnovation ","images":[],"tags":[],"tradingPairs":[],"quotearticleid":0}