EP 387 – How Blockchain, AI, and DeFi Are Shaping the Future of Finance – Nikhil Joshi – Chief Operating Officer at EMURGO

by Michael Waitze | Sep 10, 2025

The global financial system is entering a period of profound change driven by the convergence of blockchain, artificial intelligence, and decentralized infrastructure. At the center of this transformation is tokenization, which converts real-world assets into programmable digital representations that can move seamlessly across modern, borderless rails.

In this episode, ⁠Nikhil Joshi⁠, Chief Operating Officer at ⁠EMURGO⁠, explores how the convergence of blockchain, AI, and decentralized finance is reshaping global markets.

Some of the topics Nikhil covered in detail:

Anything can be tokenized, but not everything should be tokenized.
Stablecoins are the bridge between traditional finance and decentralized finance.
Agentic AI combined with programmable money can lead to automated treasury functionality.
Institutional adoption is real, growing and nuanced.
Interoperability is essential with payments and settlement rails first, then lending/borrowing, eventually hedging and structured products.

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