Salvatore Martini (martinisalvatore)

Alert 🚨: Educational content disclosed ✍️ Thanks me later.

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During yesterday's post-earnings conference call, Bank of America's CEO clearly implied that stablecoins shouldn't pay interest on deposits. Obviously, according to the banking system's "corporatism," the fact that consumers earn returns on their money through stablecoins means that banks, with their business model at risk, cannot continue to do so. According to Moynihan, interest on stablecoins will cause a mass flight from bank deposits to a fully backed financial instrument (therefore, no leverage from fractional reserve banking), disrupting the banking system's nearly free funding mechanism, with associated margin compression and declining profits. The superficial objection is: "Let's think about SMEs and the real economy"; but in reality, what emerges is a fierce defense of the banking system's business model, which thrives on zero-yield deposits. They're pissing on our heads and saying it's raining cats and dogs.

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Gm

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Check my new banner profile 👀 Baseposting. 💙

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Alert 🚨: Educational content disclosed ✍️ Thanks me later.

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GM ☕️ Charting ideas 💡

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The narrative surrounding crypto adoption often focuses on financial markets or speculation. In reality, the most tangible transformation is taking place in the way people pay every day. Stablecoins are emerging as the preferred payment method among those using cryptocurrency solutions in commerce: they account for over 98% of B2C payments processed through Binance Pay. This data speaks to a simple truth: when it comes to moving value quickly, cost-free, and without borders, stability matters more than volatility. But the most interesting part concerns merchants. Binance Pay now supports more than 20 million merchants worldwide, an exponential growth (+1,700x compared to the beginning of 2025) that demonstrates how the crypto payments infrastructure has emerged from its niche and entered the real economy. It's no longer just about online stores focused on tech innovation: - QR code integrations in Latin America - agreements in the tourism and retail sectors - use cases in emerging countries where banking is not accessible to everyone Blockchain is becoming a universal payment layer, accessible even where traditional alternatives are slow, expensive, or limiting. And while historical centralized systems are trying to adapt—just look at SWIFT's recent experiments with DLT technologies—those who accept payments today prefer simpler, more immediate, and more global tools. So, crypto isn't just about trading, but: - Stablecoins aren't a market accessory: they're already useful and in use - Payments are moving toward a cross-border model by default - It's not an imagined future, it's a rapidly growing present.

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