Build From User Needs: Foundational Product Advice

On today’s Talking Tokens episode, Jacquelyn sits down with Matthew Tabbiner, CEO of Stable, a layer-1 blockchain purpose-built for stablecoins. Stable recently received a strategic investment from PayPal Ventures and enabled use of PayPal USD (PYUSD) on its chain, aimed at expanding the stablecoin’s distribution and utility for payments, remittances, and commerce. They discuss why Stable uses USDT as the native gas token, how that design targets fast, low-friction settlement, and what this means for institutions, B2B flows, and emerging markets. They also cover how Stable fits alongside broader moves in the sector as major issuers and payments firms push stablecoin infrastructure onchain.

This episode is sponsored by Fireblocks, the leading stablecoin infrastructure for global enterprises. Learn more at fireblocks.com.

⏱️ Timestamps

(00:00) - Intro

(01:23) - Stable’s mission for everyday utility of stablecoins

(03:14) - Why Stable is purpose-built as a payments chain

(05:25) - New PayPal partnership and support for PYUSD

(07:33) - UX/UI challenges and why PayPal is Stable’s perfect partner

(09:07) - Explosive B2B stablecoin growth in market (2,900%+ since 2023)

(12:20) - Remittances, payroll, and multinational adoption use cases

(14:17) - Launching the Stable Wallet and fee-free P2P USDC transfers

(16:28) - Stripe, Tether, and enterprise validation for stablecoin rails

(19:58) - Financial inclusion: 1.5B unbanked and mobile-first adoption

(22:12) - Emerging markets (Argentina, Brazil, Indonesia) vs. U.S. adoption

(25:09) - Institutional adoption, treasuries, and guaranteed blockspace

(29:14) - Everyday utility: from savings to paying for coffee

(32:06) - The “Summer of Stablecoins” and institutional momentum

(36:09) - Final advice: build from user needs, ground up

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Note: This podcast is for informational purposes only. Guests may have a financial interest in discussed entities or assets. Not investment advice.