Publications

Explore our Publications

Our team regularly publish Insight papers, reports, Research papers, and Policy engagement responses to drive future policy in FinTech

Insight papers

A Two-Layer Architecture for Digital Assets: Decoupling Asset Custody from the Ownership Record

Bridging the Divide: The Hybrid Future of Stablecoins and Traditional Finance

Deposit Tokens: The Banking Response to Stablecoins

Emerging Architecture of Clearing and Settlement in Digital Finance

From "Trust the Issuer" to "Verify the Ledger": Designing the Token Operator

The Bank of England’s stablecoin regime: the missing liquidity lens and open questions on credit

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Reports

Research Papers

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Policy Engagement

Gillmore Centre response to the Bank of England’s 2025 consultation paper on the proposed regulatory regime for sterling-denominated systemic stablecoins

Response to: The Bank of England’s approach to innovation in money and payments

Response to the Bank of England’s discussion paper on the regulatory regime for stablecoins

The digital pound: consultation response from the Gillmore Centre for Financial Technology

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