Klickl: Future financial upgrades are no longer about localized optimization or isolated innovation; they need to move towards a unified, regulatory-compliant, and programmable integrated infrastructure

At the "Integration, Growth, and New Cycle" themed forum recently hosted by RootData in Dubai, Klickl Group founder Michael Zhao and Klickl International CEO Dermot Mayes delivered keynote speeches, systematically elaborating on Klickl's deep insights into the future evolution direction of the global financial system, and proposed the overall vision of its "Operating System for Future Money," providing a framework for the next stage of development of digital financial infrastructure.

Michael Zhao pointed out that the core contradiction of today's global financial system has evolved from localized efficiency issues to structural imbalances. Traditional financial infrastructure, designed based on a centralized banking system, struggles to support the increasingly digital, real-time, and cross-border economic activities of today, and cannot inherently support new asset forms such as programmable money, stablecoins, and RWA (real-world assets) from the ground up, making the "disconnection" between the digital asset economy and the traditional financial system increasingly pronounced.

He emphasized, "The future financial upgrade is no longer about localized optimization or single-point innovation, but about moving towards a unified, regulatory-compliant, and programmable integrated infrastructure. Only in this way can traditional finance and Web3 truly achieve integration."

Klickl International CEO Dermot Mayes further pointed out from the perspective of Middle Eastern business practices 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—architecture needs to be inherently adaptable to the regulatory logic of different jurisdictions, rather than being supplemented afterwards.

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, ensuring that digital assets circulate globally with the same level of transparency, security, and auditability as traditional finance.