menu about portfolio posts policy research accelerator crypto index Newsletter sign up sign up How stablecoins will eat payments, and what happens next Sam Broner
business strategy company building stablecoins tech trends 12.12.24 share Today’s payment landscape is dominated by gatekeepers that charge high fees that cut into the profitability of every business they touch, and justify those fees in the name of ubiquity and convenience — while they stifle competition and limit the creativity of builders.
Stablecoins can do better.
Stablecoins offer lower fees, more payment provider competition, and wider accessibility. Because stablecoins reduce the cost of transactions to nearly zero, they can free businesses from the friction of existing alternatives. Adoption will start with the businesses that are most harmed by the current payment options, a process that would disrupt the payments industry.
Stablecoins are already the cheapest way to send a dollar. In the last month, 28.5M unique stablecoin users sent over 600M transactions. Stablecoin users live in nearly every country and use stablecoins because they provide a safe, cheap, and inflation-resistant way to save and spend. Besides cash and gold, stablecoins are the only widely adopted payment rail that operates without gatekeepers like banks, payment networks, or central banks. At the same time, stablecoins are permissionlessly programmable, extensible, and integrable — anyone can help build the stablecoin payments platform on top of stablecoin payment rails.
This disruption may take time — but it is likely to happen more quickly than many expect. Businesses like restaurants, retailers, enterprises, and payment processors would benefit most from the stablecoin platform, seeing radical improvements to their margins. That demand will drive adoption, and as stablecoin adoption grows, the other benefits of stablecoins — permissionless composability and improved programmability — will bring still more users, businesses, and products onchain.
Arizona state approves first ever US Bitcoin reserve, set to invest 10% of $31.5B state assets 04/28/2025 23:43:28 GMT | By Ibrahim Ajibade Arizona state approves first ever US Bitcoin reserve, set to invest 10% of $31.5B state assets Arizona state lawmakers have passed a bill allowing the state to invest up to 10% of public funds in digital assets, including Bitcoin. The legislation also establishes a Digital Assets Strategic Reserve Fund, utilizing seized crypto assets and future appropriations. The Senate bills 1025 and 1373 now await final confirmation from state Governor Katie Hobbs. The state of Arizona took a major step toward public Bitcoin adoption in the US as lawmakers passed two bills enabling direct investment of public funds in digital assets. MENU FXStreet Log in
Arizona state approves first ever US Bitcoin reserve, set to invest 10% of $31.5B state assets 04/28/2025 23:43:28 GMT | By Ibrahim Ajibade Arizona state approves first ever US Bitcoin reserve, set to invest 10% of $31.5B state assets Arizona state lawmakers have passed a bill allowing the state to invest up to 10% of public funds in digital assets, including Bitcoin. The legislation also establishes a Digital Assets Strategic Reserve Fund, utilizing seized crypto assets and future appropriations. The Senate bills 1025 and 1373 now await final confirmation from state Governor Katie Hobbs. The state of Arizona took a major step toward public Bitcoin adoption in the US as lawmakers passed two bills enabling direct investment of public funds in digital assets.
Arizona lawmakers approve bills to Invest state assets in Bitcoin and NFTs Arizona has moved a step closer to becoming the first U.S. state to establish a Bitcoin reserve. Lawmakers in the House of Representatives on Monday approved Senate Bill 1025 and Senate Bill 1373, clearing the way for a potential 10% allocation of treasury and pension funds into Bitcoin and other digital assets.
The legislation, now awaiting Governor Katie Hobbs' signature, would authorize Arizona’s.
Big news from the economy—the US Producer Price Index (PPI) is falling! 😌📉 This means businesses are paying less for goods, which could mean we could see lower bills soon. 🛒💸 A falling PPI means prices for everything from groceries to gadgets are likely to fall.
- This is a sign that inflation may finally be losing its gripWill businesses pass these savings on to us, or will they keep them for themselves? 🧐
Let's hope this drop brings real relief to our wallets! 💬 Follow #USPPISoftens for the latest updates.
What do you think—is this a glimmer of hope or is it too early to celebrate? Share your thoughts below! 🎙️
#XRPETFs $XRP $XRP latest price surge follow the U.S securities and exchange commission approval of three $XRP futurebased exchange treated fund ETFunder prshare trust
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