According to ChainCatcher, at the "Convergence, Growth and New Cycle" forum recently hosted by RootData in Dubai, Michael Zhao, founder of Klickl Group, and Dermot Mayes, CEO of Klickl International, delivered keynote speeches. They systematically elaborated on Klickl's in-depth judgment on the future evolution of the global financial system and proposed its overall vision of "Operating System for Future Money," providing a framework for the next stage of development of digital financial infrastructure.
Michael Zhao points out that the core contradiction in today's global financial system has evolved from local efficiency issues to structural imbalances. Traditional financial infrastructure, designed based on the centralized banking system, is ill-suited to support today's increasingly digital, real-time, and cross-border economic activities. It also cannot natively support new asset forms such as programmable money, stablecoins, and RWA (real-world assets) from the ground up, making the "gap" between the digital asset economy and the traditional financial system increasingly significant.
He emphasized: "The future of financial upgrading will no longer be about partial optimization or single-point innovation, but about moving towards a unified, regulated, and programmable integrated infrastructure. Only in this way can traditional finance and Web3 truly achieve integration."
Klickl International CEO Dermot Mayes further pointed out, drawing on Middle Eastern business experience, that the core competitiveness of digital finance is shifting from technological advantages to the maturity of the regulatory system. "Regulation-native" will become the basic standard for future financial infrastructure—the architecture needs to be naturally adapted to the regulatory logic of different jurisdictions, rather than being added after the fact.
Dermot stated that as a licensed entity regulated by ADGM/FSRA, Klickl is building a cross-regional "compliance connection layer" based on UAE regulatory standards to ensure that digital assets circulate globally with the same level of transparency, security, and auditability as traditional finance.
