Payments, and the payments landscape, are changing fast. Financial institutions, issuing processors, the global card networks, acquirers, acquiring processors, and merchants are all upgrading their infrastructure. It is no longer possible to ignore crypto, even the global card networks know that and are connecting crypto to tokens. Social networks are using their audience to break into payments, and cloud and APIs are making connections that participants rely on. A critical piece many are missing is global interconnected identity, despite the fact it has already started to be deployed by IBM, Microsoft and Mastercard.