Klickl: The future upgrade of finance is no longer about partial optimization or isolated innovation; it requires moving toward unified, regulated, and programmable integrated infrastructure.

ChainCatcher News: At the recent “Integration, Growth, and New Cycle” themed forum hosted by RootData in Dubai, Klickl Group founder Michael Zhao and Klickl International CEO Dermot Mayes delivered keynote speeches. They systematically elaborated on Klickl’s in-depth view of the future evolution of the global financial system and proposed their overall vision for an “Operating System for Future Money,” providing a framework for the next stage of digital financial infrastructure development.

Michael Zhao pointed out that the core contradiction in today’s global financial system has evolved from a matter of local efficiency to structural imbalance. Traditional financial infrastructure, designed around a centralized banking system, is unable to support the increasingly digital, real-time, and cross-border nature of today’s economic activities. It also cannot natively support new asset types such as programmable money, stablecoins, and RWAs (Real World Assets), making the “disconnect” between the digital asset economy and the traditional financial system increasingly pronounced.

He emphasized: “The future of financial upgrades is no longer about local optimization or isolated innovation, but rather advancing toward a unified, regulatory-compliant, programmable integrated infrastructure. Only then can traditional finance and Web3 truly achieve integration.”

Klickl International CEO Dermot Mayes further pointed out, drawing from business practices in the Middle East, that the core competitiveness of digital finance is shifting from technological advantages to the maturity of regulatory systems. “Regulation-Native” will become the basic standard for future financial infrastructure—architectures need to be natively compatible with the regulatory logic of different jurisdictions, rather than being supplemented after the fact.

Dermot stated that as a licensed institution regulated by ADGM/FSRA, Klickl is building a cross-regional “compliance connectivity layer” based on UAE regulatory standards to ensure that digital assets can circulate globally with the same level of transparency, security, and auditability as traditional finance.