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  1. Open by Design: Confronting Harmful Patterns in Digital Finance

    Interledger Ambassador Caroline Sinders warns that harmful or manipulative design patterns in digital finance can exploit vulnerable users and undermine trust, calling for transparent, user-centered, and inclusive design standards to ensure ethical financial technology.

    5 min read

  2. Reimagining e-commerce and social media

    ILF Ambassador Gavin Chait envisions a federated, community-led e-commerce model through Hop Sauna that empowers creators with autonomy, inclusivity, and interoperable paymentsā€”reimagining online commerce and social media as decentralized and equitable spaces.

    4 min read

  3. The Multiple Sides of Friction: The Good, the Bad, and the How to Use it

    The article highlights how friction in design can harm users when misused but also enhance safety, consent, and reflection when applied thoughtfully. Used well, it becomes a valuable tool for protecting user agency and trust, especially in financial and sensitive digital products.

    Caroline Sinders
    11 min read
    Digital Money Blog Series

  4. Interledger at the Internet Governance Forum 2025

    At the 2025 UN Internet Governance Forum, the Interledger Foundation helped launch a Policy Blueprint advocating for open, interoperable, and inclusive digital payment systems.

    Ayden FĆ©rdeline
    5 min read
    Three participants seated at tables with microphones, engaged in discussion during the Internet Governance Forum; Ayden Ferdeline is among them.

  5. Open Payments help ROSCAs modernise for global impact

    Rotating Savings and Credit Associations (ROSCAs)ā€”community-based financial groups rooted in trust and mutual supportā€”are evolving through digital innovation, particularly with Open Payments technology. Once hyper-local and informal, ROSCAs are now being modernized with tools like blockchain, agentic AI, and the Interledger Protocol to facilitate secure, transparent, and low-cost cross-border transactions.

    5 min read
    Ambassador Insights Banner

  6. Reflections from UN Open Source Week 2025

    The Interledger Foundation joined global leaders at UN Open Source Week 2025 in New York to explore how open-source ecosystems can power inclusive digital public infrastructure.

    Vineel R. Pindi
    5 min read
    Participants at UN Open Source Week seated at tables with laptops and microphones inside a conference room at United Nations Headquarters in New York City.

  7. Making Money Move: Julaire Hall's Mission For Financial Inclusion

    Julaire Hall, a Program Officer at the Interledger Foundation, is advancing global digital financial inclusion by championing open, interoperable financial systems.

    Julaire Hall
    4 min read
    Julaire Hall speaking at the Interledger Summit

  8. Bridging Technology and Policy

    Ayden FĆ©rdeline, now leading Public Policy at the Interledger Foundation, is advancing digital financial inclusion by combining technology with policy engagement. His work focuses on regulation, collaboration with policymakers, and strategic grants to build inclusive, adaptable financial ecosystems that empower underserved communities.

    4 min read
    Ayden FĆ©rdeline holding a microphone, seated on a chair on stage, giving a presentation. Behind him, part of his slide is visible on a large screen. In the foreground, the silhouettes of audience members are visible between the camera and the speaker.

  9. Insights from the Future|Money Podcast: Interledger on Campus

    The Future|Money podcast episode "Interledger on Campus" highlights how the Interledger Foundation is integrating open payments and financial tech into academic programs to foster real-world innovation.

    6 min read
    Students at the UCT Open Payments hackathon

  10. Exploring Community-based Identification Systems

    For most of us, access to financial services is as simple as opening an app on our phone. But this basic necessity remains elusive for millions of displaced people without government-recognized identification. Often caught on the margins of societies, they face multiple barriers to participating in the formal financial system, which perpetuates cycles of poverty and exclusion.

    Jeremiah Lee and Ayden FĆ©rdeline
    6 min read
    Lady with microphone on stage at Interledger Summit

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