"Abu Dhabi International" and"Hashid" They issue a report that monitors the transformations of financial services with the rise of…"Web3" And artificial intelligence
ABU DHABI, 28 APRIL / WAM / The Abu Dhabi Global Registration Authority (ADGM) and Hashid Open Research, a subsidiary of Hashid, a venture capital firm specializing in Web3 technologies, issued a new joint report on the policies concluded by the roundtable of Web3 leaders held during Abu Dhabi Financial Week 2025.
The closed roundtable brought together about 40 participants from senior decision-makers in global financial institutions, regulators, and companies specializing in infrastructure, including the Abu Dhabi Investment Authority, BlackRock, the Depository and Settlement Company, Franklin Templeton, Circle, and ConsenSys, in addition to the Solana Foundation, the European Commission, and the government of Liechtenstein.
Discussions focused on the convergence of artificial intelligence technologies and blockchain-based financial infrastructure, in addition to the practical challenges affecting institutions’ adoption of digital assets.
The report pointed to the growing use of artificial intelligence systems in financial activities, including the implications of making and implementing decisions more independently, which may exceed the capabilities of infrastructure designed for human-led operations, increasing the need for secure, transparent and scalable systems.
The report emphasized the importance of verifiable records and good governance frameworks, with blockchain systems increasingly being viewed as a basis for reliable financial settlements.
According to the report, the participants in the discussions discussed the tokenization process, which is no longer limited to digitizing existing assets, but rather extends to redesigning the market structure, including issuance, distribution, and settlement.
Participants also noted that the regulatory and accounting treatment of stablecoins and other digital settlement assets plays a pivotal role in achieving widespread adoption, and that personal AI agents “digital twins” may become a key interface for participation in the digital economy.
The report indicated that regulatory ambiguity remains the most prominent obstacle to widespread institutional adoption.
Challenges highlighted include requirements to calculate risk-weighted assets for certain digital asset exposures under Basel capital rules, which may reach 1,250%, overlapping anti-money laundering and know-your-customer requirements across different jurisdictions, in addition to a lack of clarity in accounting and tax treatments.
The report presented stablecoins and instant settlement as the most practical and proven paths to scaling blockchain-based financial infrastructure.
However, he stresses that achieving real value from tokenization requires strong liquidity in secondary markets and reliable recovery mechanisms, otherwise tokenization may remain a mere technical shell with no substantive impact.
The report explained that excessive regulatory stringency in the early stages of market development may hinder the testing of models before risks and control points become clear, which underscores the importance of adopting balanced regulatory frameworks that provide clarity and confidence while allowing room for innovation.
His Excellency Rashid Al Balushi, CEO of the Abu Dhabi Global Registration Authority, said that this report reflects Abu Dhabi Global’s commitment to attracting global visions that contribute to shaping the future of the financial sector, and with the increasing integration of artificial intelligence and blockchain technology into financial systems, and their direct participation in economic activity, governance is no longer a secondary issue, but rather has become an indispensable pillar.
He explained that the report highlights the basic focal points from a practical standpoint, such as identity, powers, auditability, and clarity of rights, which ensures the expansion of the circle of innovation within a responsible framework consistent with the integrity of markets, and it is necessary for the focus to remain focused on building reliable systems, subject to good governance, and scalable.
For his part, Simon Seojun Kim, CEO of HASHD, said that this occasion formed a platform that brought together global leaders from regulators, institutional investors and infrastructure developers to discuss how to redesign the structure of capital markets, and who should lead this process, while addressing fundamental policy directions at the intersection of artificial intelligence and blockchain. We hope that this report will constitute a practical reference for designing the digital financial infrastructure.
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