Cross-border payments work when three things align: the wallet that holds the money, the rails that move it, and the regulatory framework that governs both. Each layer is evolving rapidly; digital wallets are expanding beyond domestic markets, real-time payment rails are being linked across borders, and regulators are designing frameworks that can keep pace with the technology. This session brings together voices from across the full payment stack, from the wallet to the settlement layer, to examine what regional payment connectivity actually requires, where the gaps still are, and what the Middle Corridor can realistically build — and how fast.