Insights from Thredd's Chief Executive Officer and Chief Technology Officer at Money20/20 USA.
The Thredd team
At Money20/20 USA, Thredd shared its perspective on what it takes to build modern payment infrastructure at global scale. In two video interviews, Thredd CEO Jim McCarthy and CTO Edwin Poot discuss technology, customer impact and why flexibility is becoming the defining feature of modern payments.
Money20/20 USA brought together the people shaping the next decade of payments. For Thredd, the conversations were centred on a simple goal. To connect the payment world through one unified, reliable and secure platform.
In his interview, Edwin Poot outlines the role Thredd plays as a global issuer processor. The company now supports customers in 44 countries, helping them issue physical cards, virtual cards and tokenised cards in mobile wallets. Thredd’s platform sits at the centre of the transaction flow, giving customers a single point of access to a wide range of products including debit, prepaid, credit, commercial and cross-border payment solutions.
Edwin describes the current payments environment as fragmented and complex. Different schemes, markets and systems create friction for programme managers and fintechs who are trying to scale. Thredd’s platform is built to reduce that friction by acting as a single connection point to global payment methods. The aim is to make every payment intuitive and secure while enabling customers to launch new products at speed.
In a separate conversation, Jim McCarthy expands on how Thredd’s cloud-native architecture underpins this mission. With open APIs and a scalable processing environment, the platform can support new partners, new services and new markets with ease. For customers, this means faster routes to launching card programmes, entering new regions and responding to changes in demand.
Jim highlights three major trends shaping the industry. Cross-border payments continue to grow as consumers and businesses expand their financial footprints across regions. Payment speeds are increasing as real-time rails gain adoption. Advancements in AI and machine learning are reshaping how risk, authorisation and customer experience are managed. Thredd’s platform is purpose-built to absorb these shifts, giving customers the flexibility to adapt without rebuilding their foundations.
Both interviews reinforce a common theme. Modern payments require infrastructure that evolves as quickly as the market around it. Technology needs to be simple to integrate, fast to scale and resilient in production. Edwin and Jim highlight that these capabilities are not nice-to-have features. They are the basis for enabling global commerce in a multi-network world.
Edwin and Jim also point to the growing demand for unified payment architecture. Organisations want to issue cards in one country and expand across regions without redesigning their stack. They want to mix product types across debit, credit, prepaid and commercial use cases without losing control or visibility. They want to tap into new markets, new identity systems and new compliance requirements with confidence.
Thredd is investing heavily in innovation to support this. The platform’s real-time, API-first design allows customers to bring new propositions to market quickly. For customers building cross-border capabilities, Thredd enables consistent processing across schemes, currencies and markets. This is one of the reasons many customers choose Thredd as their global partner for programme expansion.
Both leaders share optimism about what comes next. With a strong foundation, a proven global footprint and a focus on strengthening customer outcomes, Thredd is positioned to serve the next generation of fintechs, banks and payment innovators.
Money20/20 USA provided the perfect stage to show how purpose-built payment processing can create real advantage. As Edwin notes, the more intuitive and secure payments become, the more global commerce grows. Jim echoes this by emphasising how fast and flexible infrastructure supports innovation at scale.
Together, their perspectives offer a clear view of how Thredd is shaping the future of payments. For more information on scaling your payments business please reach out to the team.
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