On this episode of Crypto Town Hall, the hosts and guest speakers dive into the latest wave of stablecoin developments and broader shifts in payments infrastructure. The show covers Visa's new stablecoin pilot for cross-border payments and Swift's multi-bank blockchain initiative, juxtaposing these with ongoing debates around XRP's role in the future of payments versus stablecoins. The discussion expands into new stablecoin blockchains like Plasma (backed by Tether), regulatory moves in the US, Senate hearings on digital asset taxation, and the tension between banks, credit card companies, and crypto firms over interest payments and rewards. Speakers also tackle SEC regulatory approaches, innovations in DeFi and token launches, and the growing need for practical payment rails and regulatory clarity.