Money20/20 Europe 2026

Money20/20 Europe is one of the most influential stages in global fintech, uniting decision-makers from banks, payment networks, regulators, technology platforms and high-growth startups. For three days, product roadmaps, policy trajectories and partnership strategies are shaped in real time. In 2026, the industry sits at an inflection point: instant payments are becoming table stakes across Europe, open finance is moving from pilots to production, and digital identity, fraud and AI governance are front-page priorities. For growth-stage companies, the event is a rare chance to compress months of outreach into a few days of meaningful, senior-level conversations. For incumbents, it is an opportunity to benchmark innovation pipelines, validate build-versus-partner decisions and meet vetted providers who can reduce risk while accelerating delivery.

For Xace customers and partners, Money20/20 Europe matters because it convenes the people who set the operational, regulatory and commercial standards we must all deliver against. Whether it is aligning on PSD3/FIDA timelines, comparing approaches to AML and transaction monitoring, exploring new use cases for embedded finance, or stress-testing cross-border payment strategies, the agenda maps closely to the challenges our clients face when scaling. By being on the ground in Amsterdam, Xace can showcase how our compliant, multi-currency account infrastructure, faster onboarding and dedicated support help fintechs ship products faster, enter new markets with confidence and keep fraud at bay—all while maintaining the resilience and transparency regulators and partners expect.

Industry Relevance

The 2026 edition lands as several EU and UK policy changes reshape fintech economics: PSD3 and the Financial Data Access framework push open finance beyond payments; SEPA Instant becomes a de facto expectation; DORA hardens operational resilience; and MiCA clarifies the contours for crypto assets and stablecoins. At the same time, AI is rapidly embedded into risk, collections and customer experience, bringing both opportunity and scrutiny under the EU AI Act.

Money20/20 Europe concentrates these currents into practical playbooks—how to design compliant data-sharing journeys, price instant payment value, detect fraud in real time, and orchestrate embedded finance without fragmenting risk. For payments firms, BaaS providers and fintech platforms, the event highlights partner ecosystems and connectivity options that determine speed-to-market. For compliance leaders, it surfaces RegTech advances that can materially lower false positives and onboarding friction. Xace attends to exchange learnings, validate our roadmap and help innovators operationalise these trends via robust account infrastructure, smarter KYC/KYB and API-driven workflows that support rapid scaling across Europe and beyond.

Our Coverage

Xace will be attending Money20/20 Europe 2026 in Amsterdam with members of our leadership, product and compliance teams. We are booking 1:1 meetings to discuss multi-currency business accounts, faster KYB onboarding, payments operations, and partner integrations. If you are building in fintech, payments, crypto or embedded finance, we would love to connect on-site at RAI Amsterdam or nearby. Request a meeting via our contact page and we will share available slots and a tailored agenda. We will also publish daily takeaways and post-event insights for those not attending, covering key sessions on PSD3/FIDA, instant payments, AI risk, and RegTech advancements.

Key Topics

• Open banking, PSD3 and the Financial Data Access framework

• Instant payments, SEPA Instant and real-time settlement

• AI and machine learning for risk, fraud and collections

• RegTech, AML/CFT and transaction monitoring innovation

• Embedded finance and Banking-as-a-Service partnerships

• Digital identity, KYC/KYB and privacy by design

• Crypto, stablecoins and tokenised assets under MiCA