Stablecoin settlement never sleeps. Bank liquidity rules do. Tuongvy Le, General Counsel at @veda_labs and a former GC at a federally regulated bank, walked through what 24/7 programmable money does to safety and soundness on the latest episode of Tokenized with hosts @sytaylor and @cuysheffield. Wholesale deposits are hot money. Consumer deposits are sticky. Silicon Valley Bank showed what happens once the hot money can move instantly. One bank modelled the hit to its liquidity coverage ratio from offering weekend stablecoin settlement to institutional clients. The result was some deposit flight and a real balance sheet cost. "You can offset that by charging fees for people to make payments over a weekend that they couldn't before." 🎙️ Listen to the latest episode on

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Stablecoins are often described as a cheaper way to move money across borders but a low blockchain fee does not always mean a low-cost payment. A recent study conducted by the Bank of Italy examined this question through real stablecoin transfers across multiple international payment routes. The findings showed that total costs varied significantly depending on the route. The onchain transfer itself was generally fast and inexpensive while much of the friction appeared before and after it: purchasing the stablecoin, converting currencies, withdrawing through an exchange and ultimately moving the funds into the recipient’s local bank account. That distinction matters. A payment should not be judged only by how efficiently value moves between two wallets. For most people, the journey begins with local currency and ends with money they can actually spend. If the first and last steps remain expensive, slow or complicated, blockchain has improved only the middle of the process. I do not see the Bank of Italy’s findings as evidence that stablecoins have failed. In fact, they suggest that blockchain technology may already be performing its role effectively. The larger challenge now lies in building better connections between wallets, exchanges, banking systems and local payment networks. Stablecoins still offer meaningful advantages: 24/7 availability, programmable settlement and the ability to transfer value without waiting for traditional banking hours. But broader adoption will depend on whether those advantages remain visible throughout the entire journey from sender to recipient. The next major breakthrough in stablecoin payments may therefore come not from another faster blockchain but from cheaper currency conversion, deeper local liquidity and simpler on and off-ramps. If the blockchain transfer costs only a few cents but accessing the money remains expensive, has the payment system truly become more efficient?

Stablecoin card features are easy to announce. Making them disappear into the payment flow is the hard part.⁣ ⁣ Luke Tuttle, CPTO of @MoneyGram said payments should feel "absolutely seamless" whether by card, bank, or QR code.⁣ ⁣ All this and more on the latest episode of

Stablecoins aren't just a crypto story anymore. For solopreneurs with international clients, stablecoins like $USDT and $USDC are becoming the fastest, cheapest, most transparent way to get paid across borders. The businesses figuring this out now have a real operational advantage.

Stablecoins are no longer just instruments for trading—they are becoming the operating system of global finance. At the @osldotcom × PolyFlow discussion in Hong Kong, industry leaders explored how compliant stablecoin infrastructure can help neobanks and fintech platforms reduce costs, improve settlement efficiency, and unlock new financial services. The next phase of adoption is already underway. #PolyFlow# #Stablecoins# #PayFi# #Fintech#

Stablecoin linked cards are in hyper-growth mode. Major fintech companies are entering the market. @cuysheffield, in conversation with co-host @sytaylor and guests Luke Tuttle (@MoneyGram), @cnaut (@raincards), and Darko Hajdukovic (@LSEplc), said: “Now it's just becoming apparent that any fintech that wants to operate globally is gonna wanna have a stablecoin like card.” The line between fintech and stablecoins is blurring. 🎙️ Listen to the latest episode on Tokenizedpod(dot)com