Year-long series · Annual convening

Unlock.

The infrastructure of money is being rebuilt from the rails up.

A year-long Entelligencia intelligence series and executive convening on the four layers reshaping global finance: open finance, digital banks, payments and digital assets.

Data Open Finance Account Digital Banks Movement Payments Settlement Digital Assets
See the money stack → Partner with Unlock
$0bn
Fintech invested in 2025
0M
Customers, one digital bank
0bn
Instant payments a month
0
Layers, one money stack
The four layers

Finance, rebuilt in four layers.

01 · Data

Open Finance

The consent layer. Who owns the customer data, who is allowed to use it, and who pays for access.

02 · Account

Digital Banks

The account layer. Challengers turned profitable, and the fight for the primary banking relationship.

03 · Movement

Payments

The movement layer. Instant rails, account-to-account and cross-border after ISO 20022.

04 · Settlement

Digital Assets

The settlement layer. Stablecoins, tokenised deposits, custody and programmable settlement.

Signature format

The money stack.

Every layer of the infrastructure, from customer data to settlement, and where the margin is moving. Run through it, or open any layer.

Data layer

Customer and data

Where margin moves
The annual room

One day. Four quarters.

One senior cohort in London. Each block is its own room, programmed and attended on its own; the full day reads as one story. Attend one quarter or all four.

Quarter 1 · The data layer

When open banking becomes open finance, who owns the consent layer?

Q1Will banks monetise data access, or be forced into utility economics?
Q2Which use cases reach scale first: SME finance, mortgages, wealth, affordability?
Q3How do AI agents change the value of structured financial data?
In the roomHeads of open banking, API and data strategy, SME and mortgage leads, a regulator voice, and the open finance infrastructure rebuilding the layer.
Quarter 2 · The account layer

Are challengers becoming the new universal banks?

Q1Where is profitability really coming from: interchange, lending, wealth, deposits?
Q2Can incumbents compete without replacing the core?
Q3Which digital banks become platforms, and which become acquisition targets?
In the roomRetail banking heads, CIOs and chief product officers, challenger founders, core platform and cloud leaders, and the investors backing them.
Quarter 3 · The movement layer

Are instant, account-to-account rails becoming the new default?

Q1What happens to cards when account-to-account matures?
Q2Who wins cross-border after ISO 20022: banks, networks, fintechs or stablecoins?
Q3How do fraud, scams and verification reshape payment economics?
In the roomHeads of payments and transaction banking, scheme and network executives, merchant and PSP leaders, treasury and financial-crime heads.
Quarter 4 · The settlement layer

Do stablecoins and tokenised deposits become real settlement infrastructure?

Q1Will banks issue tokenised deposits at scale, and is that a defence against stablecoins?
Q2What role do custodians, asset managers and market infrastructures play?
Q3What changes when settlement itself becomes programmable?
In the roomAsset managers, custodians, regulated digital asset firms, stablecoin issuers and central bank observers, over a private dinner under Chatham House rules.
The research

Four briefings. One annual report.

Q1 · Open Finance

Who owns the consent layer?

From open banking to open finance, and who captures the value of access.

Q2 · Digital Banks

From growth machines to institutions.

The profitability turn, primary accounts, lending and the new banking stack.

Q3 · Payments

The fight for the new rails.

Instant schemes, cards against account-to-account, and cross-border after ISO 20022.

Q4 · Digital Assets

From crypto to institutional settlement.

Stablecoins, tokenised deposits, custody, collateral and programmable settlement.

The annual report

Unlock: The New Infrastructure of Money.

One report a year that answers the question under all four layers: who owns the future margin of finance? The new money stack, where margin is moving, the infrastructure winners, the regulatory map, and the Unlock Index.

Partner on the report →
Proprietary IP

The Unlock Index.

A recurring Entelligencia score that ranks markets on how far their infrastructure of money has been rebuilt. Updated with every annual edition.

Open finance maturity Digital banking penetration Instant payment adoption Regulatory clarity Digital asset readiness Core modernisation Investor activity Cross-border relevance
Partner with Unlock

Year-long association with the room rebuilding finance.

Not a logo on a stand. A seat in the research, and in the room.

Unlock offers year-long association with senior research, closed-door executive access and premium thought leadership, with direct visibility among the institutions, infrastructure providers and regulators rebuilding the rails of finance. The editorial spine stays independent. There are no vendor panels.

Request the partner prospectus

hello@entelligencia.co.uk · Inaugural convening, London 2027

Infrastructure providers
Open finance, core banking, identity and compliance platforms rebuilding the layer.
Networks & PSPs
Schemes, processors and cross-border platforms in front of the budget.
Custody & digital assets
Custodians, stablecoin issuers and tokenisation platforms at the settlement layer.
Cloud, advisory & law
The firms that want authority and access around regulation-heavy change.

See where the margin moves next.

Unlock runs across the year and convenes in London. Join the research, take a seat in the room, or partner on the report.

Partner with Unlock → Request access