FinTech Infrastructure for Cross-Border Payments and Digital Asset Monetization: Integration of Blockchain, Regulatory Technologies, and Smart Contracts in the Modern Financial System

Denis Slabakov

doi:10.30574/ijsra.2025.14.1.0057

ISSN Approved Journal || eISSN: 2582-8185 || CODEN: IJSRO2 || Impact Factor 8.2 || Google Scholar and CrossRef Indexed

Peer Reviewed and Referred Journal || Free Certificate of Publication

Research and review articles are invited for publication in March 2026 (Volume 18, Issue 3) Submit manuscript

FinTech Infrastructure for Cross-Border Payments and Digital Asset Monetization: Integration of Blockchain, Regulatory Technologies, and Smart Contracts in the Modern Financial System

Denis Slabakov ^*

FinTech Director. Russia.

Review Article

International Journal of Science and Research Archive, 2025, 14(01), 1965-1968

Article DOI: 10.30574/ijsra.2025.14.1.0057

DOI url: https://doi.org/10.30574/ijsra.2025.14.1.0057

Publication history

Received on 01 December 2024; revised on 23 January 2025; accepted on 29 January 2025

Abstract

This article examines contemporary approaches to building FinTech infrastructure for high-value cross-border payments and the monetization of digital assets amid the transformation of the global financial system. It analyzes the role of blockchain technologies, regulatory technology (RegTech) solutions, and smart contracts in reducing transaction costs, increasing transparency, and ensuring compliance with financial supervisory requirements.

Particular attention is given to the integration of crypto assets with the traditional U.S. financial system and the development of hybrid crypto-to-fiat models in the real estate, travel, and premium services sectors. The paper substantiates the economic impact of implementing digital payment infrastructures and assesses their influence on international capital flows.

Keywords

Fintech; Cross-Border Payments; Blockchain; Crypto Assets; Smart Contracts; Regtech; Digital Economy; Financial Infrastructure

Download Article PDF

https://ijsra.net/sites/default/files/fulltext_pdf/IJSRA-2025-0057.pdf

Get Your e Certificate of Publication using below link

Download Certificate

Preview Article PDF

How to cite this article

Denis Slabakov. FinTech Infrastructure for Cross-Border Payments and Digital Asset Monetization: Integration of Blockchain, Regulatory Technologies, and Smart Contracts in the Modern Financial System. International Journal of Science and Research Archive, 2025, 14(01), 1965-1968. Article DOI: https://doi.org/10.30574/ijsra.2025.14.1.0057.

Copyright © Author(s). All rights reserved. This article is published under the terms of the Creative Commons Attribution 4.0 International License (CC BY 4.0), which permits use, sharing, adaptation, distribution, and reproduction in any medium or format, as long as appropriate credit is given to the original author(s) and source, a link to the license is provided, and any changes made are indicated.

All statements, opinions, and data contained in this publication are solely those of the individual author(s) and contributor(s). The journal, editors, reviewers, and publisher disclaim any responsibility or liability for the content, including accuracy, completeness, or any consequences arising from its use.