The idea of programmable money represents a fundamental shift in how value moves through the digital economy. Instead of money acting only as a static store of value or medium of exchange, it becomes a dynamic instrument capable of carrying rules, conditions, and logic.

In this episode of ATP recorded at SFF 2025, Effie Dimitropoulos, the CEO of AUDD Stablecoin, notes that programmable money is not a sudden disruption but the next step in a long evolution of how value moves in the digital world.

Some of the topics that Effie covered in detail:

• Programmable money can attach rules and logic as to where, how and when money can be used.
• Our comfort with digital money did not just appear. It was earned over time, largely through the rise of the smartphone and everyday digital behaviors.
• Australia’s economic ties to Asia are deep and complex. Yet the money behind those flows is often routed through a slow, expensive, opaque infrastructure.
• Tokenization and stablecoins are two sides of the same digital coin.
• No conversation about stablecoins is complete without talking about regulation. Regulation is not a drag; it’s the precondition for trust at scale.