On a global level, the market for stablecoins is growing rapidly, and several financial actors are increasingly starting to issue and use stablecoins. Therefore, stablecoins is no longer just a niche phenomenon within the crypto market.
"In an international context, we will probably see a broader use of stablecoins for payments such as cross border payments or money transfers to third countries. It is currently difficult to imagine that stablecoins will become widespread in retail payments in Denmark, also considering the payment solutions already available in Denmark," said Ulrik Nødgaard.
At Nordic Fintech Week, Ulrik Nødgaard also came across other topics of the payment system. With the digitalisation of payments, new demands on robustness and resilience rise. Events such as the card payments outage in Denmark in July 2025 have highlighted the importance of alternative solutions. Here, payment solutions based on account transfers, such as instant payments, can play an obvious role.
"Resilience is not just a technical issue, but a societal concern. Our payment system must be able to withstand disruptions – whether due to technical errors or cyber incidents. By having multiple widespread payment solutions that can complement each other and use different infrastructures, the robustness of the payment ecosystem will be increased. That is why we also advocate for account-to-account solutions to play a greater role in physical stores," said Ulrik Nødgaard.
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