Financial systems are changing faster than the institutions designed to govern them. From peer-to-peer lending and embedded finance to digital currency and the infrastructure behind how money moves, the conversation has shifted from theoretical to operational. Decisions being made right now by founders, capital allocators, and regulators are shaping who has access, how value flows, and what the next decade of financial services actually looks like. This panel brings the founders building that future into direct conversation about what they are seeing, where the friction is, and what is coming next.