Fintech, AI & Blockchain in Espeo Software: What Changed in 2025?

Описание: Fintech outlook 2026 is shifting fast — fewer deals, bigger budgets, and a clear move from “experiments” to scaled execution across stablecoins, wallets, tokenization (especially RWA) and AI.

In this episode of On the Block, Przemysław Koper CEO at Espeo Software shares a practical recap of what changed in 2025 and how he sees 2026 shaping up — from global fintech investment dynamics to what’s happening inside Espeo Software: AI policy + AI strategy, measurable operational efficiency, a new evaluation framework, and a stronger consulting-led model built for today’s market.

You’ll hear why 2025 was a turning point: fintech investment growth returned, but the number of projects declined — which usually means one thing for buyers and vendors: bigger projects, higher expectations, and less tolerance for “generic agency delivery.” Przemysław explains why niche expertise, consultative credibility, and proven execution matter more than ever — especially as tokenization and AI move from buzzwords into real systems, real budgets, and real delivery timelines.

We also cover the areas where Espeo Software sees momentum accelerating in 2026:
➡️ Stablecoins and wallet infrastructure
➡️ Tokenization of real-world assets (RWA)
➡️ AI delivery at scale (including internal LLM systems that became customer products)
➡️ Permissioned blockchain and Espeo’s continued work with LF Decentralized Trust / Hyperledger
➡️ Market focus shifts, including growing opportunity in the GCC region and continued work across Europe and the US

If you’re a fintech founder, banking/financial leader, product owner, innovation manager, or a tech decision-maker evaluating delivery partners — this episode helps you map the landscape and understand what “good” looks like in 2026: speed-to-value, measurable efficiency, and advisory-grade competence (not just development output).

Want to talk with Espeo Software about fintech, AI, blockchain, tokenization, or enterprise delivery in 2026?
If you’re building products in fintech, banking, digital platforms, data, or blockchain/tokenization and want to move faster with a trusted delivery partner:
💬 Talk to our team: https://espeo.eu/contact/
📂 See our case studies: https://espeo.eu/case-studies/
🔔 Subscribe for more:    / @espeosoftware  
🔗 Connect with Przemysław on LinkedIn:   / przemyslawkoper  

🤝 Join our monthly LF Decentralized Trust (LFDT) meetups (European Chapter): https://www.lfdecentralizedtrust.org/...

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00:00:00 – 2025 recap + what to expect in 2026 (business, tech, markets, org changes)
00:00:33 – Market perspective: what changed in fintech investment
00:01:07 – +20% fintech investment growth, but fewer deals → bigger projects
00:02:18 – Where growth is concentrated: stablecoins, wallets, tokenization
00:02:58 – AI funding surge + what it looks like in real delivery
00:03:33 – Internal AI efficiency projects that turned into customer products
00:04:14 – How Espeo operationalized AI: policy + strategy (not “documents on a shelf”)
00:04:41 – 3 AI strategy pillars: speed-to-value, efficiency, data-driven decisions
00:05:52 – New evaluation policy: commitment, values, goals, AI adoption
00:07:48 – Next episode teaser: 1-year anniversary of Espeo’s AI strategy implementation
00:08:02 – Why generic agencies struggle (and focused, niche firms win)
00:08:44 – “Financial technologies” as a horizontal focus (not only fintech vertical)
00:09:47 – Blockchain commitment: LF Decentralized Trust + Hyperledger ecosystem
00:10:27 – Join Espeo’s monthly meetups (industry leaders + real discussions)
00:11:14 – 2025 wins: new customers, new projects, Hyperledger Fabric deliveries
00:11:33 – Consulting as a real unit: ex-founders + domain consultants + C-level partners
00:13:08 – 2026 scaling: what Espeo is building toward
00:13:21 – Hiring strategy: soft skills, consultant mindset, AI-driven execution
00:14:09 – Careers + who Espeo is looking for
00:14:28 – CEO focus in 2026: leadership, engagement, clarity of direction
00:15:00 – The handbook: goals, values, evaluation system (standardized)
00:15:31 – Client-facing consulting trend and why it’s growing
00:16:01 – 2026 bets: wallets + RWA tokenization + AI + blockchain
00:16:29 – Where deals move fastest: GCC opportunity + Asia exploration
00:16:57 – Europe + US: current customers, momentum, and market movement
00:17:19 – Wrap-up + what to comment if you want deeper topics next