Malcolm Clarke is Head of Digital Assets at Western Union, leading the company's stablecoin, blockchain, and digital asset strategy. He is a key driver behind initiatives including USDPT, Stablecard, and Western Union's Agent Stablecoin Settlement Network. Malcolm specializes in applying regulated digital asset infrastructure to solve real customer problems, modernize global payment flows, improve settlement efficiency, and unlock practical financial services that deliver measurable value for consumers and businesses worldwide.