As physical currency enters its sunset phase as a design assumption, MerchantUK defines the new standard for stablecoin settlement and institutional B2B rails.
The foundational framework for the post-physical economy.
The migration from legacy hardware to Open Banking and instant account-to-account (A2A) settlement.
Institutional adoption of tokenised sterling instruments and the regulatory framework for UK on-ramps.
Proprietary risk analysis and fee optimization for high-volume cross-border merchants.
Pandemic-driven adoption of digital taps. Cash-in-circulation drops below sustainable levels for physical retail.
Formalization of stablecoin infrastructure. Merchant banks begin testing 'Digital Sterling' rails.
Digital-first commerce becomes the regulatory and operational baseline. Physical cash exists as a high-cost legacy commodity.