Strategic forecasting of cross-border digital finance and trade ecosystems

With the rapid evolution of science and technology, various ecosystems for cross-border digital finance and trade are emerging, including networks for supply chain finance, trade finance, digital financial and trade infrastructure, international payment and settlement, digital currency systems, merchant bank digital currency wallets, trade facilitation system apps, cryptocurrency supply, and virtual commodity transaction. Among them, the development of digital trade and finance ecosystems represented by CBDC, stablecoin, Bank digital wallet, financial infrastructure, and digital trade facilitation measures is the most prominent. In particular, the global digital currency landscape is accelerating, which has brought new opportunities for the development of cross-border trade and finance. Building a commercial credit landscape for international trade and investment is key to the strategic forecast of the cross-border digital finance and trade ecosystem (Huo et al., 2024; Adeoye et al., 2025; Ebabu et al., 2025). The interrelation of trade credit transfer and finance creation organizations in the global digital ecosystem is also key to the forecast of the future direction of the cross-border trade and finance landscape. New fintech services and platforms are emerging to facilitate global virtual goods transactions and face-to-face commodity trading and settlement, relying on an international credit digital transaction structure supported by shared data. Credit-backed digital currency, cross-border trade facilitation and Bank digital wallet solutions can promote the flow of trade credit used to settle international trade transactions and the growth of collective mutual statements aimed at preventing transaction risks.