The 2030 convergence reshaping finance
Traditional banking silos are giving way to interoperable, programmable financial architecture. At the Blockchain Summit Latam Chile 2026, financial technology leaders outlined a convergence of open financial systems, artificial intelligence, and decentralized identity that will reshape money by 2030.
The roadmap was laid out by Fintech Chile president José Gabriel Carrasco, Koywe co-founder Guillermo Acuña, Chile Blockchain Chamber president Alexis Franco, and Depósito Central de Valores business leader Claudio Calderón during high-level discussions in Santiago.
Open financial railways and modern collaboration
The financial infrastructure of 2030 must run on open and rapid rails built on blockchain technology to survive. Speaking on a panel at the summit, Guillermo Acuña stated that isolated financial systems face obsolescence.
Open finance rules are driving competition in Chile’s concentrated market. That competition has evolved into collaboration, with nearly half of Chilean fintechs now working directly with traditional banks or counting banks among their shareholders, according to José Gabriel Carrasco.
Autonomous artificial intelligence in daily transactions
Artificial intelligence will fundamentally alter how financial products are processed by the end of the decade.
AI agents will execute tasks autonomously, eliminating manual human intervention for routine processes like monthly salary distribution, Carrasco stated. Expanding on that trajectory, Acuña suggested that AI agents could manage everyday fiat and cryptocurrency transfers on behalf of users with pre-approved permissions, drastically accelerating transaction speeds.
Stablecoins driving invisible enterprise infrastructure
Stablecoins are bridging traditional finance and blockchain infrastructure through invisible transitions. Enterprises are increasingly utilizing stablecoins for micropayments and large weekend corporate treasury rebalancing.
Major institutions like JPMorgan already move substantial volumes using proprietary stablecoins backed by client deposits, pointing to a future where backend financial operations adopt blockchain rails without altering the end-user experience.
Legal certainty and decentralized identity foundations
Technology alone cannot sustain market trust. Claudio Calderón of the Depósito Central de Valores stated that tokenization is becoming part of traditional finance, but underscored that risk management, legal certainty, operational flexibility, and property protection remain essential.
Alexis Franco highlighted decentralized digital identity as the primary foundation of this ecosystem. This infrastructure enables citizens to manage their own personal data and asset sovereignty securely before interacting with smart contracts or digital assets.
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