10 major European banks just unveiled their stablecoin giant

10 major European banks just unveiled their stablecoin giant: Qivalis. It’s the headline the industry awaited. For us at Chain4Travel, this announcement is the culmination of a 1-year journey reshaping travel payments. 🚀 Here is how we got here: Oct 9, 2024 — ECB B2B Payments Workshop. We present travel’s case for programmable money to 150+ experts, connect with ING’s digital assets team, and collaborate on requirements for their stablecoin project. Dec 4 — Monerium’s EURe announced on Camino testnet, complementing historical partner SH Digital’s EURSH tokenized deposit. Multiple regulated euro options for travel businesses: different rails, same destination. Feb-May 2025 — ING tests minting on Camino. Chain4Travel among ~70 pioneers selected for the ECB Digital Euro Innovation Platform, testing how retail CBDC conditional payments sync with blockchain settlement for travel B2B. Jun 12 — While in Nairobi to speak at Kenya Blockchain and Crypto Conference, I witness a thriving stablecoin ecosystem in action, powering last-mile payments. The infrastructure is proven. Wake-up call for Europe: Africa isn’t waiting. Sep 25 — 9 major European banks announce consortium for stablecoin: ING, UniCredit, Danske, CaixaBank, SEB, Deka, Sella, KBC, Raiffeisen Bank International. Sep 26 — ECB presents in Milan platform findings: B2B, offline, and blockchain sync are priorities for 2026. We pushed for these. Sep 29 — Chain4Travel’s Travel Un’chained: ING’s Jan Lebbe presents the consortium to 170 travel C-levels. SAP shows Digital Currency Hub: stablecoins integrated into ERP with automated reconciliation & audit trails. MTS Globe reveals Payment Hub on Camino: 95% workload reduction, 4.6s execution, <€0.001/tx, 0% failures. Late Oct — Back in Kenya on holiday. I buy a flight with stablecoins on Trip.com, B2C is here. Then M-Shwari (M-PESA savings) goes down for 3 days. Balances show zero despite real savings. 7.4M users, KES 49B deposits, inaccessible. Funds are safe, but a decentralized architecture would have avoided sync errors. On-chain + last mile is the way M-PESA Africa. Dec 1 — BNP Paribas joins the consortium. Now 10 anchor European banks. Dec 2 — Qivalis unveiled: the Amsterdam-based entity, Jan-Oliver Sell as CEO, Sir Howard Davies leading Supervisory Board, Floris Lugt designated CFO. DNB e-money license in progress. Launch H2 2026. ...

December 3, 2025 · 2 min · Michele (Mik) Ruberl

Live from Decode Travel Barcelona.

🇪🇸📍Live from Decode Travel Barcelona. I’m nearing a dozen hackathons under my belt, but kicking off the 4th edition of Decode Travel stands out. Metrics are showing real traction. Stablecoins anyone? Agentic everything 2025? We are finally seeing the convergence of AI with a foundation layer that enables agentic (yes) transactions, digital payments, and digital identity to happen in a trusted and certain way. No spoilers… but I have a feeling we’re going to see live examples of this on Friday. Jury, get ready 😉 ...

November 26, 2025 · 1 min · Michele (Mik) Ruberl

I'll be speaking on June 13th at the Kenya Blockchain and Crypto Conference in…

🇰🇪 I’ll be speaking on June 13th at the Kenya Blockchain and Crypto Conference in Nairobi alongside some incredible voices shaping the continent’s tech landscape: from Africa’s leading mobile money platform, to pioneering tech ecosystem builders, startup acceleration experts, and blockchain consultancy leaders. The discussion will stem from what product-market fit actually means when you’re building in decentralized environments. Here’s what I’m particularly excited to dive into: Real adoption vs. crypto-first thinking - Through Camino Network, we’re seeing how travel companies achieve blockchain benefits without users even knowing they’re on-chain. Sometimes the best Web3 is invisible Web3, and this approach is serving us well when we work with both industry and institutional players like Lufthansa and the ECB on real-world use cases for travel and payments. ...

May 30, 2025 · 2 min · Michele (Mik) Ruberl

Dear travel industry, make Camino your strategy.

Dear travel industry, make Camino your strategy. Why? Can’t be anwered better than by last week’s LH hackathon. From my product/techy point of view, in just 2 days, 13 partners achieved what normally takes months. Plus: * 98% reduction in distribution costs * 75% faster implementation time * 50% more sustainable processes * 25% quicker response times Teams built everything from virtual interlining to AI-powered intermodal booking, carbon tracking pluggable to every transaction to onboarding tens of thousands of non-IATA travel agencies. All with seamless transaction+payment integration. ...

April 3, 2025 · 1 min · Michele (Mik) Ruberl