On The Brink with Castle Island Daniel Lev (Coinflow) on Stablecoin Payments (EP.662)
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Sep 2, 2025 Daniel Lev, founder of Coinflow, shares insights from his extensive experience in fintech and crypto. He discusses the legacy challenges in payment networks that benefit consumers but hinder merchants. Lev highlights stablecoins' role in faster settlements and improved liquidity, using real-world examples like a barber marketplace. The conversation touches on fraud management solutions via AI, the evolving economics of instant payment systems, and the growing acceptance of stablecoins as integral to modern business.
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Product Born From Founder Pain
- Daniel built CoinFlow after facing poor stablecoin on-ramps while launching a Solana fantasy-sports project.
- He spun the payments infra into a standalone product when other teams began asking for it.
Authorization Is Fast, Settlement Is Slow
- Card networks make authorization instant but settlement remains slow due to many intermediaries and banking rails.
- That frontend UX masks deep structural debt that hurts merchants' cash flow and global transfers.
Settle Merchants Instantly With Stablecoins
- When a card is authorized, treat it as legally promised funds and settle merchants immediately via stablecoins.
- Offer a digital wallet showing USD balance and optional instant bank withdrawal to preserve UX while delivering speed.