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For decades, the global payments system has been a quiet achiever. Invisible to most consumers and businesses, it has functioned with remarkable stability - secure, reliable, and largely unchanged in its foundations. Central banks and commercial banks have dominated their further development that was focused very much on domestic boundaries with some interlinkage through correspondent banking systems. But this long-standing equilibrium is now shifting. At this session of the Digital Finance Day 2025, experts highlighted how payments are entering an era of profound structural disruption, shaped by new rails and technologies, changing geopolitical realities, and new market actors.