Over the next few years, new technologies and regulatory frameworks will significantly reshape the financial system and the way people relate to money. While this transformation often seems invisible to the general public, it is already underway within fintechs, banks, and institutions that are digitizing products, services, and internal processes.
One of the most relevant movements is the tokenization of financial and real assets, such as receivables, vehicles, real estate, and investments. This involves not only a new way of recording information but also embedding logic and automatic rules into these assets via smart contracts. Tokenized money allows for programmable payments, eliminating the need for traditional intermediaries and manual validations.
These changes will not happen all at once — but they are already being tested. In Brazil, the DREX pilot brings together large and small banks, fintechs, cooperatives, and technology companies in an ecosystem that simulates real operations using distributed ledger technology. If successful, this infrastructure could digitize and automate everything from credit transactions to the transfer of ownership of goods and services.
Another major trend is the expansion of Open Finance, which enables the integration and consolidation of financial information across different institutions. This allows companies to create more personalized and intelligent solutions — recommending products and services based on user history and needs. Artificial intelligence will play a growing role in this scenario, enabling the development of financial assistants capable of guiding individuals in their daily decisions, similar to the concept of “intelligent GPS for finances.”
This level of personalization will be crucial in the coming years, especially in credit and payment solutions. Consent-based data sharing models will allow the construction of dynamic and programmable financial profiles. Instead of a rigid credit score, a person will be able to proactively share their updated financial data and receive offers aligned with their actual moment in life.
Fintechs will play a central role in this transformation, not only by creating new experiences but also by simplifying the financial journey for a population still marked by high debt, bureaucracy, and lack of information. The future of finance involves invisible automation, reduced friction, and the democratization of tools that were once restricted to a small segment of the population.
📌 Originally published by CartaCapital – “Do Micro ao Macro” section