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Bridge CEO Zach Abrams on how stablecoins will lower traditional card fees: "There will be the emergence of infrastructure that provides fraud and chargeback prevention and so on, but gets rid of all the bank fees because you no longer need a bank–you have a wallet." "You'll have a... show more

Bridge

22,614 subscribers

14,523 次观看 • 7 个月前 •via X (Twitter)

Anya Rossi• Live Now

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9 条评论

Mohammad 的头像

Mohammad7 个月前

Lower fees are compelling. But removing banks also removes embedded guarantees. Cards scale because enforcement and liability are standardized across the network. Stablecoins will need shared, infrastructure-level fraud and dispute controls to reach the same level of institutional trust.

eric 的头像

eric7 个月前

@zcabrams this dude is the chad of all chads started the neobank meta on his own shoulders

Mikhail (adhd arc) 的头像

Mikhail (adhd arc)7 个月前

@zcabrams let’s have it 💪

DiversiFi 的头像

DiversiFi7 个月前

@zcabrams Settlement speed changes everything.

SHALEX 的头像

SHALEX7 个月前

@zcabrams I don’t really think this might be realistic but would love to see this fr

Dr. Toxic 的头像

Dr. Toxic6 个月前

@zcabrams Paying fees in 2026 is like paying for air. Except air is actually useful.

Satora (ex-Lendasat) 的头像

Satora (ex-Lendasat)7 个月前

@zcabrams large scale organizations will start to apply this as soon as they see the benefit. 10bp is a benefit.

Chinedu Jude 的头像

Chinedu Jude7 个月前

@zcabrams I need help please

Bruno | Rebanking 的头像

Bruno | Rebanking6 个月前

@zcabrams Sounds good. For most people, it only matters when it feels simple to use.

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"Instead of going through all that trouble, just partner with us and you’ll get largely close to 100% of the economics and all the benefits of a bank.” Anthony Noto, CEO of SoFi on bank issued stablecoins

"Instead of going through all that trouble, just partner with us and you’ll get largely close to 100% of the economics and all the benefits of a bank.” Anthony Noto, CEO of SoFi on bank issued stablecoins

Crypto In America

25,230 次观看 • 9 个月前

New Episode: How Will Stablecoins Replace Traditional Banking Zach Abrams, CEO Bridge, joins Friederike Ernst 🦉 to discuss why stablecoins are the first "economically rational" winner in payments over the last decade. He explores how Bridge (now acquired by Stripe) is building the bridge (no pun intended) to turn stablecoins into the primary global payment infrastructure and move it beyond mere trading and into core financial services. Notably, they dive into why the current stablecoin duopoly (USDC/USDT) hinders adoption via high fees and why the next phase of fintech will see wallets replace traditional bank accounts entirely. Episode Links 👇

New Episode: How Will Stablecoins Replace Traditional Banking Zach Abrams, CEO Bridge, joins Friederike Ernst 🦉 to discuss why stablecoins are the first "economically rational" winner in payments over the last decade. He explores how Bridge (now acquired by Stripe) is building the bridge (no pun intended) to turn stablecoins into the primary global payment infrastructure and move it beyond mere trading and into core financial services. Notably, they dive into why the current stablecoin duopoly (USDC/USDT) hinders adoption via high fees and why the next phase of fintech will see wallets replace traditional bank accounts entirely. Episode Links 👇

Epicenter Podcast

11,733 次观看 • 8 个月前

Paying with a credit card or a debit card will be free of surcharges from October 1. Card surcharges will be banned to simplify the card payment framework and offer cost-of-living relief to Australians. The Payments System Board (PSB) found that “the surcharging framework, introduced more than two decades ago, is no longer achieving its intended purpose of steering consumers towards making more efficient payment choices,” the Reserve Bank of Australia (RBA) said on Tuesday. #surcharge #RBA #finance #economy #auspol

Paying with a credit card or a debit card will be free of surcharges from October 1. Card surcharges will be banned to simplify the card payment framework and offer cost-of-living relief to Australians. The Payments System Board (PSB) found that “the surcharging framework, introduced more than two decades ago, is no longer achieving its intended purpose of steering consumers towards making more efficient payment choices,” the Reserve Bank of Australia (RBA) said on Tuesday. #surcharge #RBA #finance #economy #auspol

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13,555 次观看 • 6 个月前

Breaking the Barriers of Global Settlement The first cup of coffee paid for with $USDA on Cardano has been served in Kenya, settled in real-time, directly to this merchant’s M-Pesa wallet in Nairobi. This pilot confirms that the Cardano network can handle the speed and integration required for everyday retail. And that's not all. This demo is just one piece of a larger infrastructure. This wallet pilot already supports: > Instant Fiat-to-Fiat: Seamless transfers across Africa. > USDA-to-Fiat: Direct conversion for real-world spending at almost every retailer > Multi-Currency Support: Instant payments to 7 different fiat currencies. Using a credit card internationally would have cost over 14% in fees, plus 5 days in settlement for the Merchant. With USDA, fees were under 1% and settled instantly. Our goal is to bring this liquidity to emerging markets worldwide, removing the friction of traditional cross-border payments. The wallet is entering final stages of testing and will launch in the coming weeks.

Breaking the Barriers of Global Settlement The first cup of coffee paid for with $USDA on Cardano has been served in Kenya, settled in real-time, directly to this merchant’s M-Pesa wallet in Nairobi. This pilot confirms that the Cardano network can handle the speed and integration required for everyday retail. And that's not all. This demo is just one piece of a larger infrastructure. This wallet pilot already supports: > Instant Fiat-to-Fiat: Seamless transfers across Africa. > USDA-to-Fiat: Direct conversion for real-world spending at almost every retailer > Multi-Currency Support: Instant payments to 7 different fiat currencies. Using a credit card internationally would have cost over 14% in fees, plus 5 days in settlement for the Merchant. With USDA, fees were under 1% and settled instantly. Our goal is to bring this liquidity to emerging markets worldwide, removing the friction of traditional cross-border payments. The wallet is entering final stages of testing and will launch in the coming weeks.

Anzens Official

18,306 次观看 • 7 个月前

" Stablecoins are the next evolution of money... and just like cards, will enable a whole new set of capabilities. And we're starting to see that today." Zach Abrams of Bridge and Stripe on how cards changed commerce, and why the next wave of fintechs will be built on stablecoins.

" Stablecoins are the next evolution of money... and just like cards, will enable a whole new set of capabilities. And we're starting to see that today." Zach Abrams of Bridge and Stripe on how cards changed commerce, and why the next wave of fintechs will be built on stablecoins.

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28,766 次观看 • 7 个月前

🇲🇽 Ricardo Salinas: "We'd have to get rid of the government first, because they're not about to recognize that crypto is the way out." "Fiat is a fraud in Mexico, in the US, in Canada, in Colombia, in the Congo, and everywhere... The central bank fabricates money... how is it that you and me, we've got to work our ass off to get some money? And the central bank just does click and makes money... I mean, this is ridiculous." "It's not a US problem, it's a world problem. Every country has a central bank. And if they don't have a central bank like El Salvador & Panama, they depend on the US central bank... So we're all victims of money debasement."

🇲🇽 Ricardo Salinas: "We'd have to get rid of the government first, because they're not about to recognize that crypto is the way out." "Fiat is a fraud in Mexico, in the US, in Canada, in Colombia, in the Congo, and everywhere... The central bank fabricates money... how is it that you and me, we've got to work our ass off to get some money? And the central bank just does click and makes money... I mean, this is ridiculous." "It's not a US problem, it's a world problem. Every country has a central bank. And if they don't have a central bank like El Salvador & Panama, they depend on the US central bank... So we're all victims of money debasement."

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15,177 次观看 • 3 个月前

Davante Adams can afford virtually anything, but says an unlimited Taco Bell card is one of his coolest flexes and he could spend $7,000,000 if he wanted to "There it is. And it's got my name on the back, so if anybody tries to rob me, you'll never be able to use it. It's like a credit card. This purple card is basically like a black card, but it's purple and only can be used at Taco Bell, it is unlimited." "I can go in there and buy, $7 million worth of Taco Bell today if I wanted, and go have a Taco Bell party." "That's probably one of the coolest flexes I have. The black card and all that stuff's cool, but a lot of people have that." "Only two people have the purple card right now."

Davante Adams can afford virtually anything, but says an unlimited Taco Bell card is one of his coolest flexes and he could spend $7,000,000 if he wanted to "There it is. And it's got my name on the back, so if anybody tries to rob me, you'll never be able to use it. It's like a credit card. This purple card is basically like a black card, but it's purple and only can be used at Taco Bell, it is unlimited." "I can go in there and buy, $7 million worth of Taco Bell today if I wanted, and go have a Taco Bell party." "That's probably one of the coolest flexes I have. The black card and all that stuff's cool, but a lot of people have that." "Only two people have the purple card right now."

katsu

5,609,807 次观看 • 9 天前

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Elizabeth Warren

95,165 次观看 • 1 年前

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At Davos, CZ 🔶 BNB and Jeremy Allaire - jda.eth / jdallaire.sol agreed: AI agents need crypto and stablecoins to function. But agents won't just use any "human" currency. They will seek the "Central Bank of AI," a protocol that aligns the cost of money with the cost of compute.

USD.AI | Public Launch is Live

12,871 次观看 • 8 个月前

$60,000 balance seen on an EBT card “The largest that I've heard about is right at around $60,000 on an EBT card. Nobody's going hungry in that house, obviously.” “One of the ways that people commit food stamp fraud or SNAP fraud is you get a card and it's got a certain amount of value to it, then you sell it for less than the value of what you can buy in terms of food, but you sell it for cash. It creates incentives for people to, number one, acquire as many cards as possible, number two, to keep as high a balance on these cards as possible. I've seen cards as much as $20,000, this was on an EBT card. So how does that happen — People are just kept on the program for years, and they keep rolling these balances up and whether they're using the card or not. they're supposed to get rid of it and expunge the benefits after 9 months. But if all you go and do is buy a stick of gum once every 9 months, your balance in your card, even if you're no longer on SNAP, that card is still good. It's happening across the country. In fact, the largest that I've heard about is right at around $60,000 on an EBT card. No- nobody's going hungry in that house, obviously.”

$60,000 balance seen on an EBT card “The largest that I've heard about is right at around $60,000 on an EBT card. Nobody's going hungry in that house, obviously.” “One of the ways that people commit food stamp fraud or SNAP fraud is you get a card and it's got a certain amount of value to it, then you sell it for less than the value of what you can buy in terms of food, but you sell it for cash. It creates incentives for people to, number one, acquire as many cards as possible, number two, to keep as high a balance on these cards as possible. I've seen cards as much as $20,000, this was on an EBT card. So how does that happen — People are just kept on the program for years, and they keep rolling these balances up and whether they're using the card or not. they're supposed to get rid of it and expunge the benefits after 9 months. But if all you go and do is buy a stick of gum once every 9 months, your balance in your card, even if you're no longer on SNAP, that card is still good. It's happening across the country. In fact, the largest that I've heard about is right at around $60,000 on an EBT card. No- nobody's going hungry in that house, obviously.”

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Robinhood CEO: In the future there will be no distinction between crypto and traditional finance “I think that crypto technology has so many advantages over the traditional way we’re doing things that in the future there will be no distinction. It’s kind of how technology itself was viewed as a sector of the economy for a very long time… I think crypto will go through the same transition where we’re still thinking about it in its own bucket but eventually everything will be on-chain in some form or another and the distinction will disappear.” Robinhood CEO Vlad Tenev explains why this transition is taking so long: “I think the challenge with traditional finance — particularly on the infrastructure layer — is they have a lot of stakeholders, and if you think about where they generate the bulk of their revenue, it’s not from crypto-related initiatives. And a lot of these stakeholders, because they’re quite big, are going to be resistant and slower to adopt technologies. They’re going to be late adopters. They’re going to wait until it’s proven before adopting it, and that’s why we [Robinhood] have had to do greater vertical integration than we would normally want to do in TradFi. We acquired Bitstamp. We have our own exchange. And we have our own chain because I don’t think — to be at the frontier of crypto — you can rely on traditional infrastructure providers. I think they’ll get there eventually but it will take a very long time.” Ethereum will be the global settlement layer for this new financial system, and ETH will be its money. ETH is the base pair for trading on The Robinhood Chain, the highest volume asset, and the gas token to pay for blockspace. Source: TOKEN2049 (Oct 2025)

Etherealize

132,487 次观看 • 2 个月前

🚨 Legacy Wallet 2.0 is set to launch soon! Today, we are thrilled to present you the official trailer of Legacy Wallet 2.0. An update, that will usher in a new era of self-custodial wallets and path the way for a more user friendly web3 experience. In the spotlight: The world’s first on- and off-ramp. With Legacy Wallet 2.0 you can not only buy, but also sell your favorite crypto assets in an instant: 💳 Buy cryptos on 4 blockchains without KYC for up to a value of 1000$ / 24h and pay 50% less fees. All common payment methods such as bank transfer, credit card and apple pay are supported. 🏦 Seamlessly withdraw funds to your bank account and receive the fiat currency of your choice. 🇨🇭 All fiat transactions are processed by a Swiss private bank which guarantees quality and security. Follow us and turn on your notifications to not miss the big launch! Get ready for Legacy Wallet 2.0 by downloading the current version: Appstore ➡️ Playstore ➡️

🚨 Legacy Wallet 2.0 is set to launch soon! Today, we are thrilled to present you the official trailer of Legacy Wallet 2.0. An update, that will usher in a new era of self-custodial wallets and path the way for a more user friendly web3 experience. In the spotlight: The world’s first on- and off-ramp. With Legacy Wallet 2.0 you can not only buy, but also sell your favorite crypto assets in an instant: 💳 Buy cryptos on 4 blockchains without KYC for up to a value of 1000$ / 24h and pay 50% less fees. All common payment methods such as bank transfer, credit card and apple pay are supported. 🏦 Seamlessly withdraw funds to your bank account and receive the fiat currency of your choice. 🇨🇭 All fiat transactions are processed by a Swiss private bank which guarantees quality and security. Follow us and turn on your notifications to not miss the big launch! Get ready for Legacy Wallet 2.0 by downloading the current version: Appstore ➡️ Playstore ➡️

Legacy Network

440,820 次观看 • 2 年前

Threadguy reveals Bank of America nuked his credit score over a $100 payment on a frozen card "I had fraud on my credit card, locked it, didn't feel like ordering a new one so I've just been using a debit card everywhere. I had a $100 payment to pay off that I forgot about because the card was frozen. They sent me a letter in the mail and bumped my credit down to $100 a month." "I'm like bro I've spent an unfathomably large amount of money on Bank of America credit and I've never not paid it back. And they just nuked my credit because of a $100 payment. It's so stupid. It's actually so stupid."

Threadguy reveals Bank of America nuked his credit score over a $100 payment on a frozen card "I had fraud on my credit card, locked it, didn't feel like ordering a new one so I've just been using a debit card everywhere. I had a $100 payment to pay off that I forgot about because the card was frozen. They sent me a letter in the mail and bumped my credit down to $100 a month." "I'm like bro I've spent an unfathomably large amount of money on Bank of America credit and I've never not paid it back. And they just nuked my credit because of a $100 payment. It's so stupid. It's actually so stupid."

Kai

24,597 次观看 • 4 个月前

A Bay Area resident realizes how the state of California finds endless ways to take our money. “You have to pay to cross the bridge that you paid in taxes to build. Then you have to pay DMV fees every year to maintain the roads and that bridge that you paid to cross and paid to build. So you’re paying on a payment that you already paid on.” And yet, the same politicians responsible for these policies point the finger elsewhere when it comes to the high cost of living.

A Bay Area resident realizes how the state of California finds endless ways to take our money. “You have to pay to cross the bridge that you paid in taxes to build. Then you have to pay DMV fees every year to maintain the roads and that bridge that you paid to cross and paid to build. So you’re paying on a payment that you already paid on.” And yet, the same politicians responsible for these policies point the finger elsewhere when it comes to the high cost of living.

Laura Powell

18,654 次观看 • 7 个月前

Welcome to The United States of Surveillance “Ford Motor Company has just filed the patent — to install listening devices on all their new vehicles. They want to listen to all your conversations and not just your conversation, they will have one module that will listen to the driver and another one that will be geared to listening toward the passenger. It will be able to determine whether you're in a serious conversation and when's the appropriate time to interrupt you with an ad.” (There is no way this is just for serving you ads)

Welcome to The United States of Surveillance “Ford Motor Company has just filed the patent — to install listening devices on all their new vehicles. They want to listen to all your conversations and not just your conversation, they will have one module that will listen to the driver and another one that will be geared to listening toward the passenger. It will be able to determine whether you're in a serious conversation and when's the appropriate time to interrupt you with an ad.” (There is no way this is just for serving you ads)

Wall Street Apes

1,020,557 次观看 • 2 年前

$Last week, Mastercard, Visa, Ripple & Coinbase 🛡️ all shipped payment rails for AI agents. Every one of them reached for stablecoins Instead of traditional cards. A choice that is the whole story 👇🏻 ◢ An unpriced problem Card networks are built around a human pressing approve. One purchase, one confirmation, a fee that only makes sense above a certain size. Agents don’t work like that. They pay continuously, programmatically, often in fractions of a cent, for things like an API call or a second of compute. A bot paying $0.004 a thousand times an hour is a transaction pattern the card model physically can’t process at a profit. The rails we built for people don’t fit the machines. ◢ Four giants, one answer On june 3 mastercard opened card settlement in stablecoins across eight chains. On june 10 it launched Agent Pay for Machines, letting agents settle in stablecoins with permissions recorded onchain. The same day, ripple shipped a toolkit putting RLUSD and the x402 standard under agent payments, visa announced an agentic commerce tie-up with openai, and coinbase switched on agentic trading. Four of the biggest names in payments moved in a single week and all landed on the same primitive. ◢ Why it had to be stablecoins Strip out the branding and the requirements are mechanical. The money has to be programmable, so code can hold and move it without a bank in the loop. It has to clear sub-cent payments, which card fees make impossible. It also has to settle in seconds with finality, because that’s the speed agents run at. And it has to be always on, because machines don’t take weekends. A dollar in a bank account fails most of those, while a dollar as a stablecoin passes all of them. ◢ Conclusive Insights For years stablecoins were pitched at consumers who already had working banks and mostly didn’t bite. The adoption story kept underdelivering because the product was aimed at the wrong buyer. The agent economy doesn’t have that problem. It has no legacy banking relationship, no human patience, and no other option that clears at machine speed. The demand that stablecoins were always promised is finally showing up, but not from the customer everyone expected. My take: the entire stablecoin debate was framed around human payments, which is why it kept stalling.$

Last week, Mastercard, Visa, Ripple & Coinbase 🛡️ all shipped payment rails for AI agents. Every one of them reached for stablecoins Instead of traditional cards. A choice that is the whole story 👇🏻 ◢ An unpriced problem Card networks are built around a human pressing approve. One purchase, one confirmation, a fee that only makes sense above a certain size. Agents don’t work like that. They pay continuously, programmatically, often in fractions of a cent, for things like an API call or a second of compute. A bot paying $0.004 a thousand times an hour is a transaction pattern the card model physically can’t process at a profit. The rails we built for people don’t fit the machines. ◢ Four giants, one answer On june 3 mastercard opened card settlement in stablecoins across eight chains. On june 10 it launched Agent Pay for Machines, letting agents settle in stablecoins with permissions recorded onchain. The same day, ripple shipped a toolkit putting RLUSD and the x402 standard under agent payments, visa announced an agentic commerce tie-up with openai, and coinbase switched on agentic trading. Four of the biggest names in payments moved in a single week and all landed on the same primitive. ◢ Why it had to be stablecoins Strip out the branding and the requirements are mechanical. The money has to be programmable, so code can hold and move it without a bank in the loop. It has to clear sub-cent payments, which card fees make impossible. It also has to settle in seconds with finality, because that’s the speed agents run at. And it has to be always on, because machines don’t take weekends. A dollar in a bank account fails most of those, while a dollar as a stablecoin passes all of them. ◢ Conclusive Insights For years stablecoins were pitched at consumers who already had working banks and mostly didn’t bite. The adoption story kept underdelivering because the product was aimed at the wrong buyer. The agent economy doesn’t have that problem. It has no legacy banking relationship, no human patience, and no other option that clears at machine speed. The demand that stablecoins were always promised is finally showing up, but not from the customer everyone expected. My take: the entire stablecoin debate was framed around human payments, which is why it kept stalling.

Onur

13,737 次观看 • 3 个月前

Founder of Bridge Zach Abrams tells a Stripe acquisition story: “I walked into Stripe to meet John Collison and Patrick Collison. First thing John says: 'Can I tell you a joke? What’s the difference between a bank and Tether? … One of them is this big institution that holds a ton of money and you have no idea where it is, and if you want your money back you might not be able to… and the other one is a stablecoin.’”

Founder of Bridge Zach Abrams tells a Stripe acquisition story: “I walked into Stripe to meet John Collison and Patrick Collison. First thing John says: 'Can I tell you a joke? What’s the difference between a bank and Tether? … One of them is this big institution that holds a ton of money and you have no idea where it is, and if you want your money back you might not be able to… and the other one is a stablecoin.’”

Bankless

59,908 次观看 • 1 年前

You can’t make this make sense American in San Francisco shows California residents are charged to cross a bridge they paid to build with their taxes “Lemme get this right — You have to pay to cross the bridge that you paid in taxes to build. Then you have to pay DMV fees every year to maintain the roads and that bridge that you paid to cross and paid to build. So you're paying on a payment that you already paid on.” America is land of the fees

You can’t make this make sense American in San Francisco shows California residents are charged to cross a bridge they paid to build with their taxes “Lemme get this right — You have to pay to cross the bridge that you paid in taxes to build. Then you have to pay DMV fees every year to maintain the roads and that bridge that you paid to cross and paid to build. So you're paying on a payment that you already paid on.” America is land of the fees

Wall Street Apes

490,932 次观看 • 7 个月前