
On the Ledger · 2025-11-18 · 34 min
In this episode, Jim McCarthy, CEO of Thredd and former Visa EVP, offers a masterclass on the future of FinTech. With nearly 30 years of experience, he dives into why neobanks must pivot to lending for profitability, the problem with banks' siloed "core" systems, and the massive, underrated power of tokenization. Get his expert forecast on how stablecoins will revolutionize cross-border payments and collateralization in the next two years.