Over the last decade we have seen a shift from experimentation to implementation in digital finance and few people have been closer to that evolution than Wee Kee Toh, Executive Director and Global Head of Business Architecture for Kinexys Digital Payments at JP Morgan.Wee Kee joins Ari to explore the arc of institutional crypto adoption — from his early work at the Monetary Authority of Singapore (MAS) and the BIS Innovation Hub to building JP Morgan’s live blockchain-based payment infrastructure. He shares insights from developing digital payments platforms, and reflects on how early regulatory experimentation laid the groundwork for live digital finance at scale.Topics covered include:• Why interoperability and programmability are the future of digital payments• The long-term vision behind JP Morgan's Kinexys;• How the global regulatory landscape is reacting to stablecoin legislation like the GENIUS Act;• What the future holds for stablecoins, tokenization and on-chain commerce.With a unique perspective as both a former regulator and current builder, Wee Kee shares a candid, optimistic take on how the digital asset ecosystem is evolving — and why institutional momentum matters more than ever.