riabhutoria
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the "commerce payments protocol" that @shopify and @coinbase developed is an underrated tidbit from their announcement
stablecoins alone don't have the same mechanisms and protections as traditional payments
this protocol starts to change that, creating a process around returns, voiding, delayed merchant capture, etc. using smart contracts - very cool to see
stablecoins alone don't have the same mechanisms and protections as traditional payments
this protocol starts to change that, creating a process around returns, voiding, delayed merchant capture, etc. using smart contracts - very cool to see
with privy's acquisition, stripe is also positioning itself to compete in an agentic future where ai agents are transacting with one another
stablecoins will be the rail and embedded wallets will be the interface through which they transact
stablecoins will be the rail and embedded wallets will be the interface through which they transact
with Stripe acquiring Bridge and now Privy, the ability to build completely seamless fiat to onchain fintech products is easier than ever before
fintech slapped lipstick on a pig; stablecoins and embedded wallets are now upgrading the backend of fintech in real time
fintech slapped lipstick on a pig; stablecoins and embedded wallets are now upgrading the backend of fintech in real time
blown away by @zkp2p, magical onramp experience for small value transactions
sent $10 directly from cash app and received usdc in my wallet within minutes
sent $10 directly from cash app and received usdc in my wallet within minutes
I’ve been thinking about how AI agents will make payments
A lot of people say agents need stablecoins. Wallets are easier to spin up than bank accounts; stablecoins are more programmable, composable, etc.
At the same time, Stripe is powering agents on existing rails (like with Perplexity), and companies like Nekuda are building SDKs on top of card networks.
I'm trying to develop a clearer POV on which setup actually works better today - what's the best writing or thinking on this?
A lot of people say agents need stablecoins. Wallets are easier to spin up than bank accounts; stablecoins are more programmable, composable, etc.
At the same time, Stripe is powering agents on existing rails (like with Perplexity), and companies like Nekuda are building SDKs on top of card networks.
I'm trying to develop a clearer POV on which setup actually works better today - what's the best writing or thinking on this?
I've been thinking a lot about stablecoins for consumer payments - not just cross border, b2b
It's clear others are too, with the launch of multiple stablecoin-linked cards over the last few weeks (World, Ramp, Fuse, Airtm, etc.)
What I don't fully understand is the economics of stablecoin-linked card transactions
Do merchants that accept these cards still pay the full transaction fee (acquiring + network + interchange)? Or do acquiring and interchange fees go away? (if yes, that's huge)
Would love input from anyone who's entrenched in the transaction flow 🙏
It's clear others are too, with the launch of multiple stablecoin-linked cards over the last few weeks (World, Ramp, Fuse, Airtm, etc.)
What I don't fully understand is the economics of stablecoin-linked card transactions
Do merchants that accept these cards still pay the full transaction fee (acquiring + network + interchange)? Or do acquiring and interchange fees go away? (if yes, that's huge)
Would love input from anyone who's entrenched in the transaction flow 🙏
Patrick Collison on stablecoins:
“Just like actual superconductors, stablecoins massively reduce friction and energy loss associated with storage and movement
With stablecoins, it’s about real world utility with real world businesses
We see a powerful case for optimism”
“Just like actual superconductors, stablecoins massively reduce friction and energy loss associated with storage and movement
With stablecoins, it’s about real world utility with real world businesses
We see a powerful case for optimism”
Everyone thought stablecoins would displace the card networks. Instead, Visa and Mastercard are embedding them into their stack.
This week, Visa announced partnerships with Bridge, World, and Rain. Mastercard also announced its rolling out stablecoin payments to its 150m merchant locations globally.
They're protecting their moat - distribution, compliance and trust - while disrupting the slowest part of their business: settlement.
This week, Visa announced partnerships with Bridge, World, and Rain. Mastercard also announced its rolling out stablecoin payments to its 150m merchant locations globally.
They're protecting their moat - distribution, compliance and trust - while disrupting the slowest part of their business: settlement.
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