In 2026, Banking-as-a-Service (BaaS) has evolved into a roughly $30 billion market defined by "invisible banking," where financial services function as modular “bricks" embedded in every digital journey. This panel explores the next frontier of BaaS, focusing on the shift toward open finance, the rise of autonomous agentic money, and the integration of stablecoin rails for real-time settlements. Industry leaders will discuss how leveraging cloud-native cores and agentic AI allows firms to move beyond legacy constraints to deliver a hyper-personalized, 24/7 financial ecosystem.