What will the financial system look like in 2035?

By 2035 the financial system is far more digital, automated, and interconnected. I predict AI, blockchain, stablecoins, and digital identity rewire banking, payments, and global commerce. Settlement compresses toward instant: a payment that takes 3 days today clears in 3 seconds. The delay disappears. The middlemen do not: banks, funds and governments end up owning the rails, and whoever owns the rails decides who can pay. JPMorgan already runs its own blockchain for settlements, BlackRock tokenizes funds, and stablecoins move trillions a year. Institutions that adapt become infrastructure. Institutions that defend the old rails become history. Everyone wants innovation, nobody wants to change. Pick your side now.