Coinflow vs. Stripe: The Future of Instant Stablecoin Payments

Coinflow CEO Daniel Lev explains how his platform leverages stablecoin infrastructure to solve global payment frictions, specifically targeting the multi-day settlement delays inherent in traditional banking and payment service providers. By enabling instant T+5 second settlements, Coinflow allows marketplaces to bypass the fragmented, slow-moving legacy rails that currently force sellers to wait days for funds. The discussion highlights that while the U.S. market lacks instant payment rails, stablecoins provide a scalable solution for B2B transactions and marketplace payouts. Lev emphasizes that the future of finance lies in "FinTech 3.0," where stablecoin technology is seamlessly abstracted away from the end user, mirroring the user experience of established neobanking apps like Venmo or Revolut while providing significantly faster, more efficient capital movement.