Presented by Stablecon; Powered by BVNK.

In episode 15 of Money Code, hosts Chuk Okpolugo and Raj Parekh are joined by Jackie Reses, Chair and CEO at Lead Bank.

They break down why stablecoin payments quietly depend on banks as regulated “plumbing,” how compliance automation becomes a product advantage, and why the biggest second-order risk of stablecoin growth may be destabilizing community-bank deposit bases before local credit creation has a replacement.

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Chapters

00:00 Stablecoins don’t work without the banking layer

01:28 Why Lead Bank was built from scratch

04:27 How you earn regulator trust in modern banking

11:25 Onboarding “too tricky” clients and scaling with them

13:34 Compliance as a front-of-house product

17:44 Why Lead acquired Loop Crypto

20:02 Lead’s API primitives and composable banking stack

22:49 How different banks should think about stablecoins

24:41 The community bank risk: deposit flight and local lending

34:25 Tokenized deposits vs stablecoins as rails

39:26 The “Hunger Games” phase of fragmentation

44:30 Builder advice: precision, scale, and no hyperbole

Connect with the Hosts & Guest

Chuk Okpalugo: https://www.linkedin.com/in/chuk-okpalugo/ | https://x.com/chuk_xyz/ | http://stablecoinblueprint.com

Raj Parekh: https://www.linkedin.com/in/rajparekh7/ | https://x.com/rajparekh | http://monad.xyz

Jackie Reses: https://www.linkedin.com/in/jacqueline-reses-938b7850/

Stablecoins Need Banks: The “Banking Layer” Nobody Sees w/ Jacqueline Reses (Lead Bank)

Money Code

Stablecoins Need Banks: The “Banking Layer” Nobody Sees w/ Jacqueline Reses (Lead Bank)