In the last decade, Latin America has experienced an accelerated transformation towards digital payments. In countries such as Brazil, Argentina, Colombia and Mexico, solutions such as Pix, Mercado Pago and QR wallets are replacing cash in physical and electronic commerce. This development is driving financial inclusion, reducing costs and boosting economies. However, it also generates a growing dependence on complex and vulnerable technological networks.

Although the move towards a cashless economy seems irreversible, its success depends on facing key risks with resilience. These include user distrust, exposure to cyber-attacks and the fragility of digital infrastructures. For the digital future to be truly sustainable, we need more than just technology: we need a resilient architecture that ensures operational continuity, security and trust, even in crisis scenarios.