Anthony Ralphs

I'm a payments and financial infrastructure expert with 20+ years' experience connecting banks, non-bank financial institutions and corporates to payments and banking infrastructure. For the last nine years I've focused on building new solutions based on crypto and DLT. Through novamodus.xyz, I work with and advise fintechs, banks, NBFIs and public-sector bodies on digital money, including stablecoin issuance, CBDCs and the infrastructure and practicalities around them. I have worked with commercial banks looking to issue their own stablecoins, and with central banks designing digital currencies for use across their economies, including the financial sector. I also contribute to industry standards work on Tokenisation and Interoperability standards, helping shape how digital assets and payments systems interoperate and meet regulatory expectations. I spent over 8 years at Ripple on cross border payments, CBDCs and leading the Product team at Ripple for the launch of its USD backed stab