On the back of a Point Zero roundtable discussion, Kimmo Soramäki explains why the first users of agentic payments will be simulated agents—and how AI-driven digital twins are transforming intraday liquidity management in RTGS systems.

FNA’s Carlos Leon recaps DC Fintech Week 2025, exploring why AI is the "digital nervous system" required to manage the nonlinear risks of our complex, interconnected financial ecosystem.

We reflect on the evolution of Suptech, predicting a shift toward a new supervisory paradigm where central authorities transition from periodic monitors to real-time systemic enablers through shared utilities, Digital Twins, and fused data intellig

FNA researchers publish a new study in the Journal of Economics and Statistics using agent-based modeling to simulate the adoption of a Digital Euro in Spain's retail payment system.

FNA’s Carlos León speaks with The Banker on how CBDC simulation and digital twins allow central banks to model economic impacts and iterate designs for optimal financial stability.

FNA’s Carlos León advocates for a more user-centric approach when designing Central Bank Digital Currencies (CBDCs) in this article featured by the AGDM Academy Research Centre as part of its Insights Series.

FNA’s latest research utilizes a digital twin of Spain’s payment ecosystem to identify the 'sweet spot' for retail CBDC adoption through simulated design options and stimulus policies.

FNA Founder and CEO Dr Kimmo Soramäki joined Startuprad.io’s podcast to explore the various use cases and mechanisms to drive user adoption and the success of CBDCs. 

FNA and the ADGM Academy Research Centre enter a strategic partnership to drive UAE financial innovation through joint R&D, advanced network analytics, and digital twin technology.

Inspired by 'How Big Things Get Done,' FNA explores how its rCBDC Simulator applies the principles of modularity and simulation to de-risk one of the most complex projects in modern finance.

Inspired by 'How Big Things Get Done,' FNA explores how its rCBDC Simulator applies the principles of modularity and simulation to de-risk one of the most complex projects in modern finance.

In the wake of recent banking sector volatility, FNA demonstrates how Intelligent Liquidity Optimization (ILO) allows banks to safely reduce intraday buffers and unlock billions in unrealized revenue through real-time stress testing and network science.

The Digital Euro Association’s Valentin Seehausen and Tamara F Schmidt interview Dr Carlos León and José Fernando Moreno Guitiérrez in episode 2 of the DEA’s series, TechyTuesday.  Together, Carlos and José presented FNA’s CBDC Simulation solution, highlighting the importance of CBDC simulation for designing a better CBDC.

To ensure a smooth transition to its new RTGS system, Lynx, Payments Canada partnered with FNA to build a comprehensive Digital Twin. By simulating various system configurations and participant behaviors, the project successfully optimized liquidity savings and fully prepared the market for launch.

UK Finance partnered with FNA to optimize liquidity and reduce operational risks within the £360 billion-per-day CHAPS payment system. By leveraging FNA’s simulation technology and Bipartite Payment Reduction (BPR) algorithm, they successfully modeled a pre-open netting cycle to compress early payment obligations.

Fnality partnered with FNA to develop and simulate a cutting-edge, peer-to-peer payment system underpinned by Distributed Ledger Technology (DLT). By modelling complex real-time gross settlement (RTGS) scenarios, the simulations proved to regulators that the system mitigates systemic risk without elevating liquidity constraints.