Joachim Samuelsson is CEO and board member at publicly-listed Swedish deep tech company Crunchfish. Joachim is a tech pioneer and a serial entrepreneur with many patents in digital payments and mobile technology. He has a Master of Science degree from 1998 in Industrial Engineering and Management from Linköping University.

Crunchfish is a deep tech company developing a device-agnostic trusted client application platform for offline payments, tokenized card payments as well as other mobile client / server systems. Crunchfish has been listed on Nasdaq in Stockholm since 2016, with headquarters in Malmö and a subsidiary in India.

Rethinking Retail Payments - Respecting Roles and Responsibilites in the Payment Ecosystem 

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. Welcome to explore how this groundbreaking innovation enables resilient payments seamlessly in modular and future-ready CBDC system.

 

Panel discussion : Interoperability & Standardization

As digital currencies—CBDCs, stablecoins, and tokenized deposits—continue to evolve, the demand for seamless interoperability and globally recognized standards has become increasingly urgent.

This panel 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.

The panel will also highlight current efforts toward establishing technical and governance standards.