This podcast focuses on exploring the future dynamics of cross-border payments and settlement networks, with particular attention to innovative solutions for blockchain scalability and interoperability challenges. The analysis analyzes how the adoption of standards such as ISO 20022 can facilitate the integration between global payment systems, improving efficiency and reducing transaction costs. Additionally, it examines the impact of asset tokenization and the use of smart contracts to automate and ensure security in payment processes. An analysis of existing regulatory frameworks highlights regulatory barriers and proposes solutions to harmonize laws globally, promoting broader adoption of blockchain technologies. Finally, the crucial role of user experience in adopting blockchain solutions is discussed, as well as the potential of the Metaverse in revolutionizing digital payments and financial ecosystems through integration with DeFi (Decentralized Finance). The podcast concludes that, despite progress, legal uncertainties remain, which may cause misunderstandings and delays, suggesting the need for further regulatory and judicial clarifications.