Podzept from Deutsche Bank Research Payments & FinTech: The Stablecoin Effect
Oct 28, 2025
Join Nooshin Nejati, a payments innovation expert, and Nate Svensson, a lead analyst on US Payments, as they delve into the intriguing world of stablecoins. They discuss how stablecoins are revolutionizing cross-border payments and digital transactions, serving as vital on/off ramps for cryptocurrency trading. The conversation touches on barriers to adoption, the role of competition, and the potential impact on traditional banking systems. With insights on emerging markets and regulatory challenges, they paint a picture of the future of payments.
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Stablecoins Bridge Digital And Fiat Money
- Stablecoins bridge traditional money and the digital world by making payments simpler, cheaper, and more predictable.
- They enable programmability and faster cross-border transfers useful for merchants and individuals in unstable currencies.
Three Near-Term Use Cases
- Today stablecoins mainly act as an on-ramp/off-ramp liquidity tool for crypto trading and three near-term use cases: emerging-market consumer payments, remittances, and cross-border B2B.
- They promise faster settlement and much lower fees versus legacy remittance and B2B rails.
Consumer Adoption Remains Elusive
- Mainstream consumer adoption is distant because most users lack compelling incentives to switch from existing payment methods.
- Stablecoins may help merchants but risk being a solution looking for a problem for everyday users.