Chit Chat Stocks A Fintech Expert On Stablecoin Disruption And The Future Of Digital Payments
Jul 9, 2025
Jevgenijs Kazanins, a fintech expert behind the Popular Fintech newsletter, dives into the transformative world of stablecoins and digital payments. He explains how stablecoins can revolutionize remittances, simplify merchant transactions, and potentially rival traditional payment giants like Visa and MasterCard. The conversation also touches on credit card rewards in the context of stablecoins and the evolving regulatory landscape, highlighting the innovative spirit of fintech in reshaping financial interactions.
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Stablecoins as Blockchain Money
- Stablecoins represent fiat money on blockchain as tokens backed by currencies like the dollar or euro.
- They enable instant global transfers, higher yield lending, and decentralized trading possibilities.
Mobile Phone Analogy for Stablecoins
- Early mobile phones were durable but limited; iPhone added GPS and apps, enabling new use cases.
- Likewise, stablecoins currently have limited uses but their open architecture promises future innovations.
Traditional Remittance Complexity
- Traditional remittances involve banks using correspondent banks and messaging (SWIFT) rather than moving actual money.
- This creates complexity and delays as funds are entries on ledgers, not instant transfers.