Epicenter - Learn about Crypto, Blockchain, Ethereum, Bitcoin and Distributed Technologies How Will Stablecoins Replace Traditional Banking
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Jan 25, 2026 
Zach Abrams, CEO and co-founder of Bridge and fintech veteran who built stablecoin rails and wallets. He explores why stablecoins can make payments faster and cheaper than legacy rails. He explains stablecoin orchestration, limits of the USDC/USDT duopoly, the rise of regionally focused coins, and why wallets could become the new primary bank account.
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Stablecoins Transform The Money Stack
- Stablecoins are an innovation across the entire money stack, enabling fundamentally new payment experiences.
- Zach Abrams argues they unlock faster, cheaper payments by changing storage, rails, and regulation.
Cash App's 'Hack' Enabled Instant Transfers
- Zach recounts how Cash App used debit-card refunds to create instant transfers in the US.
- That creative reuse of legacy rails enabled a novel peer-to-peer payment product.
Bank Structure Shapes Payment Rails
- The US has many more banks and a dual banking system, which fragments national adoption of new rails.
- Europe can mandate rails centrally, so its instant payment adoption is faster.
