The Interledger Foundation is a global nonprofit grantmaking foundation, leading the next revolution in payments through Interledger, the global network for inclusive digital financial service providers.
ILF Ambassador Gavin Chait envisions a federated, community-led e-commerce model through Hop Sauna that empowers creators with autonomy, inclusivity, and interoperable payments—reimagining online commerce and social media as decentralized and equitable spaces.
Interledger Ambassador Caroline Sinders warns that harmful or manipulative design patterns in digital finance can exploit vulnerable users and undermine trust, calling for transparent, user-centered, and inclusive design standards to ensure ethical financial technology.
The article highlights how friction in design can harm users when misused but also enhance safety, consent, and reflection when applied thoughtfully. Used well, it becomes a valuable tool for protecting user agency and trust, especially in financial and sensitive digital products.
At the 2025 UN Internet Governance Forum, the Interledger Foundation helped launch a Policy Blueprint advocating for open, interoperable, and inclusive digital payment systems.
Rotating Savings and Credit Associations (ROSCAs)—community-based financial groups rooted in trust and mutual support—are evolving through digital innovation, particularly with Open Payments technology. Once hyper-local and informal, ROSCAs are now being modernized with tools like blockchain, agentic AI, and the Interledger Protocol to facilitate secure, transparent, and low-cost cross-border transactions.
The Interledger Foundation joined global leaders at UN Open Source Week 2025 in New York to explore how open-source ecosystems can power inclusive digital public infrastructure.
Julaire Hall, a Program Officer at the Interledger Foundation, is advancing global digital financial inclusion by championing open, interoperable financial systems.
Ayden Férdeline, now leading Public Policy at the Interledger Foundation, is advancing digital financial inclusion by combining technology with policy engagement. His work focuses on regulation, collaboration with policymakers, and strategic grants to build inclusive, adaptable financial ecosystems that empower underserved communities.
For most of us, access to financial services is as simple as opening an app on our phone. But this basic necessity remains elusive for millions of displaced people without government-recognized identification. Often caught on the margins of societies, they face multiple barriers to participating in the formal financial system, which perpetuates cycles of poverty and exclusion.
