Stablecoin rails change the denominator.
Near-zero settlement cost. No intermediary spread. Programmable compliance baked into the transaction layer.
For the first time the neobank can price in ways the incumbent physically cannot match without dismantling its own revenue model.
This isnโt theoretical anymore.
@stripe added stablecoin payouts to 101 countries last year.
@Visa is settling transactions in USDC on Solana.
@PayPal launched its own stablecoin and quietly processed over $1B in volume.
The ones building on top of it now arenโt doing it for the crypto narrative.
Theyโre doing it because the margin difference is too large to ignore.
Cross-border payment costs dropping from 3-6% to under 0.5%.
Financial restructuring is happening globally.
@romanbuildsaas Letโs chat. A decade doing GTM strategy, growth and marketing in web3. Before that scaling projects from 0 to 10 and high level communications.
Neobank transaction volume is heading toward $333B by end of 2026. 386 million users projected by 2028.
The distribution problem is largely solved. @Revolut@nubank@Chime spent a decade earning the trust that traditional banks assumed was permanent. They were right that it wasnโt.
But the next question is harder than the first one.
What do you build on top of 386 million users whoโve already proven theyโll move their money if the product is better?
The neobanks that figure that out wonโt do it with another feature. Settlement, FX, compliance, yield. The infrastructure nobody talks about in the press release but everyone feels it in the product.
Thatโs where the next 10 years gets decided and weโre seen the change happening now. So where do you put your money now?