Money20/20 Recap: The New Standard for Trust

Money20/20 is always a pulse check on where financial technology is headed. This year, the conversation was different. The questions people brought to our booth were sharper. The stakes were clearer. The urgency was real.

Across payments, lending, banking, insurance, wealth, and digital assets, leaders told us the same thing: fraud is evolving faster than legacy defenses can keep up. The customer experience has become a differentiator, not a feature. Trust can no longer be assumed. It needs to be proven.

We left this year’s event with momentum, clarity, and a shared direction. Here is what stood out to us.

Trust Needs to Be Verifiable

For decades, businesses have relied on indicators of trust that were adjacent to proof: documents, data fields, signatures, screenshots, notarizations, timestamps. Each one suggests that something happened, but cannot prove it with certainty.

This gap is exactly where fraud thrives. And it is where Proof is focused.

The future depends on identity that is portable, verifiable, and backed by cryptography. A transaction should not rely on a belief that something is true. It should contain its own evidence.

That idea shaped everything we announced in Las Vegas.

Cryptographic Proof of Every Transaction

In the lead up to Money20/20, we introduced Certify, a cryptographic certificate layer that attaches a signed, verifiable record to every transaction completed on the Proof platform. 

When someone signs, authorizes, agrees, or affirms something, Certify generates proof of:

• Who took the action
• When the action occurred
• What was agreed to
• Whether the record has been altered since
  

It is independently verifiable, portable across systems, and impossible to fake.

This is the same leap in assurance that eliminated counterfeit credit cards. The difference is that Certify applies to every agreement, onboarding, claim, affidavit, loan package, power of attorney, and high-stakes authorization across industries.

This is not paperwork. It is identity-backed trust.

Bringing Identity Assurance to Real-Time Crypto Payments

In digital assets, moving value is no longer the challenge. The challenge is knowing who is on the other side of the transaction.

Our partnership with Lightspark connects Proof’s verified digital identity with Lightspark’s enterprise Lightning infrastructure. The result is identity verification at the moment of transaction, without slowing the experience or breaking the workflow.

For exchanges, fintech builders, and institutions exploring blockchain settlement, this is a way to meet compliance obligations while supporting global movement of value at speed.

It brings trust to a network that is built for scale.

Proof + Visa: Making Verified Identity Work Everywhere

We also shared our work with Visa to bring trusted digital identity to global commerce. The underlying idea is simple: a person should not have to prove who they are from scratch every time they need to complete a transaction.

Once identity is verified, it should travel with the individual, and work everywhere.

Our collaboration with Visa moves the ecosystem closer to a world where identity is reusable, verifiable, and recognized wherever business happens. A world where trust is standardized.

The Market Is Moving Toward Standardized Trust

The conversations we had at Money20/20 confirmed that the market is shifting away from “fraud detection” as a defensive act and toward trust as infrastructure. Identity is becoming a core layer, not a step in a workflow. Verification is becoming continuous, not situational. Proof is building the connective tissue that makes this real.

We learned that financial services teams have a LOT of needs:

• They need to onboard customers faster without increasing risk
• They need records that hold up under scrutiny
• They need truth that can be shown, not argued
  

This is the work we are doing. And it is accelerating.

Thank You

To everyone who visited our booth, joined a conversation, or invited us into theirs: thank you. We are already scheduling follow-ups, workshop sessions, and deeper design conversations once we get home!

If we didn't get a chance to connect on the floor, it's not too late to reach out! Drop a line here - we'd love to talk.