Money20/20 USA opens its exhibition floor on Monday morning at The Venetian in Las Vegas, the day after a Sunday of summits and the Money Awards, and runs to midday on Wednesday. The organiser expects more than 11,000 people from 3,400 companies, with 630-plus speakers and 180 exhibitors appearing for the first time, and has built the programme around four pillars: borderless financial architecture, technology as the great equaliser, partnerships as the engine to scale, and a brave new world of guardrails.

The Fintech Times is on the ground this week, filing a daily round-up and recording conversations on the floor. If you are in Las Vegas and have something worth saying, the editorial desk is at editor@disruptsmedia.com.

This is the third big fintech gathering we have covered in five weeks, and the three are starting to read as one conversation. In Riyadh in September the market-opening decisions came from the regulator rather than the companies, with SAMA enabling Alipay+ and setting out Tap to Pay on iPhone while the industry got on with building. In Miami two weeks later Sibos spent four days agreeing that the technology for tokenised money and AI agents is no longer the question; the question is who carries the trust when it goes wrong.

Las Vegas is where the United States gives its answer, and the organiser knows it. Jessica Blue , who runs the show, put the practical questions plainly in the run-up: who holds the value, who verifies identity, who settles the transaction and who is responsible when something goes wrong.

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