spinto🛡️

Parked at the intersection of stablecoins and tradfi payments. PayPal, ex-Coinbase. My views only.

[spinto🛡️ @spinto__]

It’s not a zero sum game. There’s no doubt that the future is an integrated multi-wallet, chain, processor world - the silos are breaking down - money is agnostic.

[spinto🛡️ @spinto__]

Back from the LATAM Stablecoin conference in CDMX. Kudos @Bitso . Few water cooler observations:

Regulatory unlocks globally have unleashed a flurry activity across the region and the stack. Crypto and tradfi are actively working together

Everyone was meeting everyone, except..

[spinto🛡️ @spinto__]

the banks ... but they’re moving behind the scenes

Stablecoins are reshaping the cross border stack - mostly in the middle. We’re just at the start

The first and last mile remain complex with kyc, stable-fiat fx, and distribution

[Jacquelyn Melinek @jacqmelinek]

PayPal is best known for payments.

But it also wants to standout in the stablecoin sector with PYUSD. And as it ranks 7th largest stablecoin by its $3.4B market cap, that's becoming a reality.

May Zabaneh, SVP and GM of Crypto at @PayPal explains on @_TalkingTokens how its strategy is evolving beyond crypto and into mainstream audiences. Details below.

TIMESTAMPS
Introduction
PayPal’s Hidden Advantage in Crypto
Payments Are “Easy”… But Still Messy
The Real Stablecoin Unlock: Cross-Border Efficiency
Paypal’s outlook on Stablecoins
The Inflection Point With: Programmable Money
The First Real Use Case of Agents + Payments
The Trust Barrier (And How It Breaks)
The Business Case For: Margins, Speed, and Survival
The Endgame: Invisible Financial Infrastructure
PayPal vs The Broader Stablecoin Market

Full episode:

[Alex Chriss @acce]

A big step for creator earnings and real-world crypto utility. Excited to see $PYUSD helping creators get paid faster and more flexibly. 🔥

[PayPal @PayPal]

We’re not saying you’ll win $100K in bitcoin this week…but someone is going to 👀

We’re giving away more than $1M in bitcoin prizes. Learn more and opt in for a chance to win here: https://t.co/557p1uATLF

No purchase necessary. Residents US/US territories 18+/age of majority. PayPal crypto hub in good standing required to accept prize. See terms: https://t.co/6kNFWqnyMz. See rules: https://t.co/2KeaqUy2wD. PayPal Inc. is licensed to engage in Virtual Currency Business Activity by the New York State Department of Financial Services.

[PayPal @PayPal]

We’re giving away over $1M in bitcoin this holiday season. 5 weeks, 1000+ winners. Are you ready?

Buy crypto on PayPal or enter for free by mail for a weekly chance to win. Learn more and opt in here: https://t.co/CGcQD11c9i

[PayPal Developer @paypaldev]

PYUSD is now live on Stellar.⚡️Welcome to low-fee transfers, ~5s finality, anchors for fiat ramps, and Stellar Asset Contract-compatible contracts - built for real payments.
#PYUSD #stablecoin

[PayPal @PayPal]

.@Google + PayPal = a new collaboration advancing commerce solutions.

We’re proud to collaborate with Google to bring PayPal’s products and services to billions of Google users and redefine what’s possible at global scale. From Agentic Commerce to PayPal’s checkout solutions, PayPal’s trusted payments will be deeply integrated across Google’s products and platforms. 🚀

Learn more: https://t.co/FafAGFkKGc

[Alex Chriss @acce]

This is big from the team - and so simple. Crypto next

[spinto🛡️ @spinto__]

I’m taking action with @standwithcrypto to protect the future of digital innovation.

Email your reps. Call their offices. Post with #CryptoDayofAction 🛡️.

It’s our future. Let’s make sure Washington hears us.

[Max Branzburg @maxbranzburg]

Coinbase users have now borrowed $400M USDC at ~5% rates in just a few months since launching

Feedback has been strong, with one recent story of someone who would’ve otherwise sold their BTC to fund a home improvement project but was able to borrow against it instead and stay invested while still getting the funds to use for the project

What would you like to see next?

[spinto🛡️ @spinto__]

Not your average piece of metal.
The @coinbase One Card is here — and it’s 🔥
Loved helping bring this to life.

[Coinbase 🛡️ @coinbase]

Introducing the Coinbase One Card.
Earn up to 4% bitcoin back on every purchase.

Powered by @AmericanExpress network.
Coming fall 2025.

[Coinbase 🛡️ @coinbase]

Proof of Reserves for cbBTC is now live.

Learn more. ↓

[Coinbase 🛡️ @coinbase]

Faced with with an unexpected tax bill? No problem.

Borrow USDC against your Bitcoin and convert it to USD instantly to pay off your bill.

[Coinbase 🛡️ @coinbase]

Let's do this, @PayPal.

We're teaming up to advance stablecoin payments.

[Coinbase 🛡️ @coinbase]

Send BTC now: https://t.co/7HZHHJYOvB

[Coinbase 🛡️ @coinbase]

Bitcoin-backed loans are now fully rolled out to all US users (ex. NY). You can instantly borrow up to $1M in USDC on Coinbase. ↓

[Coinbase 🛡️ @coinbase]

USDC supply more than doubled this past year and just hit a new all-time high of $56B.

The future of money is onchain. See how we are helping consumers and businesses access USDC for payments, trading, remittances, and more. ↓

[Base @base]

Want to understand how bitcoin-backed loans are bringing finance onchain?

Join @jessepollak, @maxbranzburg, @willrobinson23, and @MorphoLabs' @PaulFrambot for an Onchain Stories Livestream

Jan 28th, 9:30am PT / 12:30pm ET

https://t.co/CeWzb5LZfp