Sibos has never been to Miami before and, on the organiser’s count, it has never been bigger anywhere in North America. Four days at the Miami Beach Convention Center, more than 500 speakers, six streams and a theme, digital finance for AI-driven economies, that could have been written by a committee and very nearly was. I spent all four days there for The Fintech Times, in the plenaries, on the exhibition floor and in the press lounge with a camera crew and 14 interviewees. Having now sat with the recordings, this is the week as I saw it, and what I think it settled.

My short version is that the industry spent Miami agreeing on something it has been circling for three years. The technology for tokenised money and for AI agents is no longer the argument. The argument is who carries the trust when it goes wrong, and nobody I spoke to wanted to build anything until that was answered.

On Monday afternoon, a few hours after Jane Fraser had told the opening plenary that Citi ‘s “mandate has to move fast whilst retaining trust”, I asked Tom Durkin , who runs Bank of America’ s CashPro platform, what he thought the next four days would sound like. “I think the word trust will probably be one of the most commonly used words across the exhibit hall the next four days,” he said. VIDEO: Tom Durkin, Bank of America He was right, and not in the comfortable way the word is usually used at conferences.

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