Stablecoins as the next evolution of financial services, similar to the impact of credit cards, is the central topic. The guest, Zach, compares the early skepticism around credit cards to the current perception of stablecoins, highlighting their potential for cross-border payments, programmability, and native yield-bearing capabilities. He notes that infrastructure is still in early stages, with new applications and use cases emerging every six months, including aid disbursement, neobanking, and treasury management. Zach expresses excitement about agentic commerce, particularly micropayments for information access, and envisions a future where stablecoins facilitate the majority of payments, especially between non-human agents. He also addresses concerns about fraud and chargebacks, suggesting that new infrastructure will emerge to provide card-like benefits at a fraction of the cost.
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