The Stablecoin Podcast Tony McLaughlin (Ubyx): Wallets Replace Banks as the Front Door to Finance
Jan 22, 2026
Tony McLaughlin, founder and CEO of Ubyx and veteran payments executive, discusses wallets becoming the new front door to finance. He explores bridging fiat to tokenized assets, why multi-chain wallets make sense for banks, and how interoperability and neutral acceptance networks could reshape payments. Short, forward-looking, and focused on real-world adoption.
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Payments Are Balance Sheet Orchestration
- Payments are fundamentally balance-sheet updates across disconnected ledgers, not just messages about money.
- Blockchain offers a shared state engine that can simplify coordination of ownership and obligations.
Blockchain As A Common 'Who Owns What' Layer
- Blockchain is essentially a "who owns what" machine that generalizes property and obligation records.
- That shared substrate can reduce fragmentation while preserving valuable bank risk-taking functions.
Install A Wallet Before Picking A Chain
- Get a multi-chain wallet first to future-proof your bank or fintech before picking chains or tokens.
- A wallet bridges your existing infrastructure to tokens and preserves optionality without betting on a single chain.