Digitalisation is a revolution in the world of money and payments. Technological and social transformations are disrupting the status quo. Central Banks have to ensure their money remains relevant, and the financial system has to keep pace with progress. We urge the G20 to lead the process of integrating innovations and ensure the approach accounts for economic and social dimensions while relying on technical expertise. We favour taking full advantage of change and innovation as long as financial stability risks are addressed. Strong international cooperation is advised given the threat of increased currency competition. Finally, there is the need for thorough analysis and shared empirical research.