Future of stablecoin payments that is already possible today but blocked by regulatory uncertainty or regulatory capture:

1. Purchase protections/chargebacks: Shopify, Stripe, etc will happily escrow payments to merchants while collecting yield for the duration. They can mediate, or we can imagine third party mediator oracles (maybe escrow yield goes to mediators, the consumer, or merchant, tbd).

2. "Savings account interest" no longer comes from the custodian, but from the stablecoin itself. It doesn't matter where you hold it.

3. Treasury bill yield added to stablecoin yield. Right now banks have capture over this, but once banks get in on issuing stablecoins, we can imagine the combined yield being even higher. Far higher than what any traditional bank "savings account" could offer.

4. Credit-based stablecoin payments. We can already do this with collateralized loans, but new issuers or merchant platforms can offer additional facilities to customers based on history/autodeposit/custodied balances/etc.

A doodler and computerer. I like permissive/permissionless open source, smart contracts, p2p systems, room-scale VR, and NixOS.

shazow.net

Currently: WhatsABI

💯 

Also I pitched 1 in a job interview last year and was pushed back strongly because “not crypto”.  I’m so early

Startup artist seeking inspiration.  Champion of /bcard

Yeah they are going to make it more “bank like” which for the average user is familiar.  Thats a good thing for adoption.

I suspect 80% of it is going to get resolved once banks get a taste.