On the latest From the Block podcast, Holland and Knight attorney Andrew Balthazor tells PYMNTS’ Karen Webster and Citi’s Ryan Rugg that until crypto solves for scams, user errors and consumer remedies, more adoption just means more losses. Here’s what he says has to change.

As blockchain heads into 2026, the conversation is shifting from big promises to hard realities. In the latest episode of “From the Block,” PYMNTS CEO Karen Webster chats with Citi Treasury and Trade Solutions Global Head of Digital Assets Ryan Rugg about why the year ahead will be defined by whether digital assets can integrate into the operational, regulatory and risk frameworks of mainstream finance.

In the debut episode of “From The Block,” PYMNTS CEO Karen Webster chats with Ryan Rugg, global head of digital assets for Citi Treasury and Trade Solutions, to separate digital-asset reality from market narrative. For banks and corporates, the shift is less about crypto and more about building always-on money movement that works inside the rules.

It’s a new must-listen show. Karen Webster and Ryan Rugg, global head of digital assets at Citi, are co-hosting ‘From the Block,’ a weekly podcast series that cuts through the noise and gives CFOs and treasurers the practical playbooks they need to evaluate stablecoins, tokenized assets and the infrastructure behind them.