The Central Bank of Sint Maarten & Curacao published a recap of its third annual Fintech Conference, held in Sint Maarten on 4–5 December 2025, under the theme “Trust, transparency and technology: regulating the next wave of fintech”. The event combined a closed regulators’ roundtable with a public conference bringing together central bankers, fintech innovators and experts from the Caribbean and Latin America, Europe, the Middle East and Asia. Discussions focused on how regulation can protect consumers while supporting innovation, covering payments innovation, digital-asset regulation, stablecoins and digital finance, fintech’s role in financial inclusion, and the future of banking including neobanks. In the keynote, CBCS President Richard Doornbosch emphasised the potential for fintech to expand services to underserved and unbanked populations and called for a framework that enables innovation while safeguarding stability and integrity. Sessions also addressed frictions in digital payments in still highly cash-based economies and explored the pros and cons of central bank digital currencies, tokenization and the role of data centres. The conference concluded with the Global Blockchain Business Council and The Luxembourg House of Financial Technology committing to support the region’s fintech and payments ecosystem, starting with identifying and mapping gaps in existing payments infrastructure based on conference findings.

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