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:

The Layers – Infrastructure, Platforms, Applications

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