Yesterday, Windham Zhang, Head of Partnerships at Obita, joined the @Wikiexpo_global Hong Kong 2026 panel, “A New Era of Programmable Payments: The Convergence of Blockchain, Stablecoins, and AI Resulting in Hyper Personalisation.” One point stood out from the discussion: programmability has existed in finance for years through standing instructions, direct debit, and limit orders. What is changing now is the infrastructure around it. Stablecoins make settlement software-native, blockchain provides a shared and verifiable environment, and AI can turn decisions into executable instructions. For businesses, the value still comes down to the payment outcome. Some companies want to receive or pay in stablecoins. Others need local fiat in local bank accounts. The future of payments will be hybrid, with different rails working together behind seamless customer experience. For payment providers, the real work lies in connecting stablecoins, traditional banking, compliance, and local payout networks around what each client actually needs. Thank you to @Wikiexpo_global and all the panelists for the thoughtful discussion. 🥂 #Obita #WikiEXPO #ProgrammablePayments #Stablecoins #Blockchain #AI #CrossBorderPayments