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Making Money Move Cross-Border as Easy as Sending an Email Lecture at Vienna Blockchain Week 2025 At Vienna Blockchain Week 2025, Olvis E. Gil Ríos, Ambassador for the Stellar Europe Chapter, presents a practical and human-centric view on how blockchain technology can fundamentally improve cross-border payments. The lecture begins with a real-world use case from the travel industry, illustrating the everyday challenges faced by small businesses and individuals when receiving international payments. High fees, rejected transactions, slow settlement times, and limited access to financial services remain common obstacles, particularly in regions with underdeveloped banking infrastructure. Building on this experience, the talk introduces the Stellar network and its mission to make cross-border money movement as simple as sending an email. Olvis explains why fast settlement, low transaction costs, native support for stablecoins and multiple assets, and energy-efficient infrastructure make Stellar particularly suitable for global payments and financial inclusion use cases. A strong emphasis is placed on regulatory readiness and institutional adoption. The lecture highlights why clear regulatory frameworks are essential for trust, risk management, and fraud prevention, and how blockchain-based payment infrastructure can coexist with regulatory requirements across jurisdictions. The session also features an interactive segment with the audience, reinforcing key concepts around speed, cost, trust, and user experience in payments. The lecture concludes with a broader outlook on which industries stand to benefit most from efficient cross-border payments and why collaboration with institutions and regulators is critical for real-world adoption. This lecture is relevant for fintech founders, payment providers, developers, policymakers, and anyone interested in practical blockchain applications beyond speculation. Speaker Olvis E. Gil Ríos Ambassador for the Stellar Europe Chapter Event Vienna Blockchain Week 2025 Making Money Move Cross-Border as Easy as Sending an Email 0:00 Introduction and welcome 1:04 Real-world payment challenges in the travel industry 1:36 Barriers to cross-border payments and financial access 2:16 Introduction to the Stellar network and ambassador program 2:57 Mission: making cross-border payments simple and accessible 3:46 Why Stellar works for payments and stablecoins 4:42 Importance of regulation and trust in payment systems 5:29 Managing risk, fraud prevention, and regulatory alignment 6:12 Interactive audience session: joining the live poll 7:18 What should move like a message? Audience insights 8:35 What users value most: speed, trust, or cost 9:18 Which industries benefit most from better payments 10:24 Live quiz: working with regulators and institutions 11:21 Transaction speed and network performance 12:26 Asset support and ecosystem partners 13:33 Global adoption and institutional use cases 14:36 Quiz results and closing interaction 15:24 Final remarks and invitation for follow-up questions