I just paid over $50 for a large half-pepperoni pie. It was a very good pie. And I enjoyed it very much. Still. 50 Bucks?? What. The. Hell. Inflation isn't super fun. Stablecoins can help. Yield bearing stables specifically. Most are back by t-bills, which is great and earns yield that could be designed to offset inflation. T-bills earn on average 3-4% APY. Inflation in the US is historically around 3.1%. So the math, maths. However, problems exist. If you only back the stablecoins with t-bil...

Sad, but true. Here’s why…first, a story. When I was kid, the only phones we had were in the house. Attached to the wall. One in the family room. The other in the kitchen. Then, we got a cool new “cordless” phone. It was shiny white, with a pull out antenna. Super cool. Suddenly, you could talk to your friends and NOT be in the kitchen. Life changing! Cell phones take that to the extreme. Everyone in crypto shouts about stablecoins being cheaper, faster, better. And sure, they are. But someti...

People love credit. And card issuance is only growing. Especially with millennials and gen Z. So it's likely that, for the foreseeable future, traditional credit-based payment methods persist. Problem is, this model crushes merchants with high fees. It is absolutely ripe for disruption. And that's absolutely easier said than done. So the question becomes, if consumers love paying with credit, how do we disrupt the underlying fee-based model of issuing banks, networks and acquiring banks, and ...

Stablecoins will eat payments. Talk to anyone in crypto and this is likely the obvious consensus you'll hear. And while many will paint a beautiful picture of laughing consumers happily paying for their Mocha Lattes with USDC via QR codes, I don't think stablecoins will be a consumer-led revolution. Not many people are demanding to pay for anything with USDC. Credit Cards still rule the consumer side of the market in many regions, and likely will for the foreseeable future. However, the merch...

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