An exploration of the convergence between Banking 3.0, InsurTech, and Real World Asset tokenization in 2025-2026.

## Topics covered

- Bank 3.0: mobile-first, API-driven digital banking

- InsurTech: AI-driven insurance and embedded Bancassurance 3.0

- RWA Tokenization: from real estate to treasury bills on-chain

- Regulatory landscape: MiCA, DORA, AI Act

- The convergence of DeFi and traditional financial services

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