Stablecoins: The Internet’s Missing Money Layer

Forget everything you know about moving money. The new internet isn’t just about sending memes—it’s about sending money at meme-speed… for less than a penny. 💸⚡

The TL;DR?

Stablecoins aren’t just tokens pegged to dollars. They’re what happens when finance stops pretending it’s still 1995.

💳 The Problem: Money Moves Like Fax Machines

We made data global and free, yet money still moves like it’s stuck in dial-up.

Behind every “buy now” button is a spaghetti mess of:

• Payment processors
• Acquiring banks
• Issuing banks
• Interchange fees
• “Trust me bro” FX rates

And everyone wants a slice. 🍕

Sending $200 from the U.S. to Colombia costs $12 using banks. With stablecoins? $0.01.
That’s a 99.91% savings — enough to buy actual pizza in Colombia.

🛒 Stablecoins: Not Just Cheaper — Smarter

Take Walmart. With ~$648B in revenue, they pay nearly $10B in card fees.
Replace those fees with stablecoins → boom: $434B in market cap unlocked (📈+62.5%).
Same with Chipotle (+12%) and Kroger (+104%!).
Your burrito might soon be powered by Ethereum L2. 🌯⚙️

💡 Stripe, SpaceX, and AI Are Already In

• Stripe is doing stablecoin checkouts at 1.5% (half the credit card rate).
• SpaceX uses stables to move treasury across borders.
• ScaleAI pays global teams faster than you can say “ACH.”

Even AI agents are getting wallets. Machines paying machines? It’s real.

🛠️ Stablecoins = “Room Temp Superconductors for Money”

Patrick Collison (Stripe CEO) nailed it.
Stablecoins are fast, neutral, programmable, and don’t care about your passport.

They’re like TCP/IP for payments — the open rails that allow anyone, anywhere, to build.

The Great Unbundling: Stablecoins vs. Swipe Lords

For decades, payments were a bundled mess — fraud checks, FX fees, and middlemen all stacked into one bloated transaction. But stablecoins? They’re the great unbundlers. They strip out the fluff, dodge the toll booths, and move money like it’s 2025 (because it is). No more 3-day waits or mystery fees. Just programmable cash zipping across the globe in seconds — and at a cost of less than your WiFi password. As businesses catch on, expect a payments arms race where only the fastest, cheapest, and most open survive.

🏁 But What About Regulation?

Even Congress is warming up.
A stablecoin bill is cooking 🔥, and it could let the U.S. stay ahead of the curve without choking innovation.

Think of it like the early days of the internet — people thought TCP/IP was “risky” too.

🚀 The Stablecoin Flywheel Has Started

More adoption = lower fees = better products = more adoption.
It starts with edge cases like remittances…
Then comes Stripe, Walmart, and a thousand new apps no one’s thought of yet.

Final Byte

The stablecoin moment isn’t coming — it’s already here, quietly rebuilding money the way TCP/IP rebuilt communication. What started as a nerdy crypto experiment is turning into a trillion-dollar reset button on payments. With lower fees, global reach, and programmable power, stablecoins are the financial superhighway the internet always needed. Next time you tap to pay, ask yourself: why not zap it onchain instead? ⚡💳→🪙

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