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1. Banking Without Banks: What Africa Can Teach the U.S. About Financial Access

   Africa’s fintech innovations, including Ghana’s digital onboarding, Nigeria’s collaborative fintech ecosystem, and Kenya’s mobile money success, show how accessibility-first financial systems can dramatically expand financial inclusion and economic opportunity.

   Casey Diké

   Jun 25, 2026 5 min read
   

2. The Future of Financial Inclusion Starts With Trust

   Financial inclusion starts with trust: people need financial systems that are transparent, relevant, and aligned with how they earn and manage money today. As the digital economy grows, institutions must combine modern technology with education and community-focused design to expand opportunity.

   Chiara Ostrin

   Jun 11, 2026 8 min read
   

3. Why We Funded Research Into Who Gets Left Out of Instant Payments

   Research across more than 20 countries found that instant payment systems often aim for inclusion but are designed in ways that exclude smaller financial providers through governance, regulatory, economic, and technical barriers.

   Ayden Férdeline

   Jun 11, 2026 6 min read
   

4. Why Campuses are Becoming Testbeds for Digital Finance

   Universities like Bowie State University are becoming key testing grounds for inclusive digital finance, where students with lived experience of financial exclusion help design more equitable systems. Its partnership with the Interledger Foundation shows how education and community engagement can shape the future of accessible financial infrastructure.

   Dr. Andrew Mangle

   May 28, 2026 8 min read
   

5. You Don’t Need 3 Apps to Pay Your Friends: Why U.S. Payments Feel Broken

   U.S. digital payments feel fragmented because apps don’t interoperate, forcing users to juggle multiple platforms.

   Casey Ariel Diké

   Apr 22, 2026 4 min read
   

6. Designing Digital Money: A 2026 Blog Series

   Digital money is no longer just emerging—it is being intentionally designed. Universities are becoming key environments for shaping the future of financial systems, training the next generation of technologists, policymakers, and innovators. As digital finance evolves, academic institutions play a critical role in researching, testing, and teaching equitable, secure, and interoperable systems, with support from initiatives like those of the Interledger Foundation.

   Julaire Hall

   Apr 1, 2026 4 min read
   

7. Why We Weighed In on the Federal Reserve’s Payment Account Proposal

   Interledger Foundation advocates for inclusive, secure, and low-cost direct Fed payment access for non-banks.

   Ayden Férdeline

   Mar 18, 2026 5 min read
   

8. Africa Doesn't Have a Payments Technology Problem. It Has a Business Model Problem.

   Africa’s payment systems struggle not because of missing technology but because of flawed business models and commercial design. To achieve adoption, systems must prioritize free P2P transfers, better accessibility, and simple proxy-based addressing, alongside regulatory reforms that overcome incumbent resistance.

   Arunjay Katakam

   Mar 13, 2026 4 min read
   

9. The Web Isn’t Free

   The internet isn’t truly free: we “pay” with our time, attention, and data, which fuel platforms designed to capture and manipulate us. Alternatives like Web Monetization aim to restore privacy, fairness, and control by letting users directly support creators.

   Sabine Schaller

   Feb 23, 2026 5 min read
   

10. What’s Happened in December

    As we come to the end of the year and review the past 2 months, we see that we have continued to make a significant impact in helping to close the financial exclusion gap worldwide. The surge in digital financial services is a major enabler as we continue to adopt services such as mobile banking, mobile money accounts, internet banking, and digital payments. Many have called this period a breakthrough moment for financial inclusion.

    Dec 11, 2025 3 min read