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August 19, 2025 8 mins

In this episode of The Smart Money Stack, Rameez Ali breaks down three powerful case studies that demonstrate how programmable finance is transitioning from theory to reality.

  • Trafigura: How a commodities giant cut payment processing time by 72% through programmable workflows

  • Visa and BBVA: Piloting tokenized deposits and programmable compliance through Visa’s Tokenized Asset Platform

  • Stripe: Expanding stablecoin accounts to 100+ countries and scaling stablecoin payments after its Bridge acquisition

Beyond the headlines, Rameez introduces two simple frameworks for analyzing developments in programmable finance:

  1. The Layers – Infrastructure, Platforms, Applications

  2. The Lenses – Efficiency, Resilience, Scalability

Together, they offer a way to understand not just what companies are doing today, but how these moves shape the financial system of tomorrow.

📖 Inspired by Rameez’s book Programmable Finance: The Future of Money in a Tokenized World, this episode helps listeners see programmable finance as the new operating system for money.

  • (00:03) - Introduction to Programmable Finance
  • (01:56) - Beyond Commodities: Universal Applications
  • (03:20) - Visa's Role in Programmable Payments
  • (04:22) - Stripe and the Rise of Stablecoins
  • (05:23) - Connecting the Case Studies to Programmable Finance
  • (07:33) - The Future of Payments and Finance
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