Joachim Samuelsson started the presentation by giving the same Pecha Kucha presentation as at the Digital Currency Conference in Bangkok in May 2025. A written version of this presentation is available on Crunchfish webpage under the menu option Rethinking Payments. The second topic in the presentation was an introduction to Crunchfish Digital Cash layer-2 solution followed by a discussion on how Crunchfish layer-2 solution relate to common layer-1 payment systems in the market - Real-Time Payments systems, Mobile card payments, Bank issued smartcards, and CBDC systems.  Crunchfish augments any of these payment systems by adding resilience, interoperability, and privacy in a secure, scalable, and cost-effective way. More information may be found under the Deep Fintech menu option on Crunchfish website.

The theme of the presentation was Rethinking Retail Payments -Respecting the Roles and Responsibilities and discused how Crunchfish respects the roles in the payment ecosystem by allowing banks and payment application providers to enable end-users to MAKE payments with lsyer-2 wallets, while central banks with CBDC payment networks deliver the ability to RECEIVE and settle layer-2 payments. This natural separation of responsibilities creates resilence, scalability, interoperability, flexibility and healthy competition within the payment ecosystem. Digital IOUs in a patented Reserve, Pay, and Settlement approach generalize how both card payments and smart contracts work. This groundbreaking innovation enables resilient payments seamlessly in modular and future-ready CBDC system. The recording of the presentation is available at this link.

This presentation followed the Focused Innovation Award that was bestowed on Crunchfish at the end of the CB+DC Conference first day. This is an award that could not be applied for but Chavanette Advisors have nominated the finalists in their role as technology evaluators for the world's central banks.

On Thursday morning, September 11th, Joachim Samuelsson will join industry leaders in a panel discussion on Interoperability & Standardization. The discussion will explore the critical role of interoperability and standardization in fostering a cohesive digital currency ecosystem. It will examine the challenges and opportunities presented by fragmented infrastructures, differing technical protocols, and regulatory asymmetries across jurisdictions.

For more information, please contact:

Joachim Samuelsson, CEO of Crunchfish AB

+46 708 46 47 88

joachim.samuelsson@crunchfish.com 

This information was provided by the above for publication on 11th September 2025 at 08:00 CET.

Västra Hamnen Corporate Finance AB is the Certified Adviser. Email: ca@vhcorp.se. Telephone +46 40 200 250.

About Crunchfish - crunchfish.com

Crunchfish is a deep fintech company pioneering a Digital Cash solution that enhance resilience, scalability and interoperability in payment ecosystems. The patented offline payment architecture supports both payment network providers and payment service providers in both commercial payment ecosystems as well as evolving CBDC initiatives. Headquartered in Malmö, Sweden, Crunchfish drives innovation to shape the future of payments.