Payments Insights

A harmonious blend of digital assets in a "symphony of stablecoins". 🔄 The Business Model That Makes Circle and Tether Nervous How it works today: Holders of USDC or USDT provide reserves that issuers like Circle and Tether invest in short-term Treasuries, generating billions in annual yield (e.g., ~$3-4B from $73B USDC at 4-5% rates). Issuers keep the lion's share; users and partners get little to nothing. How OUSD works: Zero fees to mint or redeem—at any volume, no caps.

Tokenized Deposits are coming! Clarifying the Terminology "Tokenized deposits" currently refer to at least three distinct structures, and understanding these differences is crucial for strategic planning: Intrabank Settlement Networks (e.g., Signet, SEN-style models) — involve book transfers between clients within the same bank. These are often marketed as blockchain solutions but are essentially fast databases, requiring no interbank reserve settlement. The "Mirror" Model —

GENIUS Act, Stablecoins & Big Banks' Fightback — What Every CFO, Treasury Team & Payments Executive Needs to Know

The future of shopping isn't just AI helping you decide what to buy. It's AI agents doing the buying—autonomously comparing options, negotiating (or at least applying your rules), and completing the transaction while you focus on higher-value work. This is agentic commerce, and it's accelerating faster than most expected. What Agentic Commerce Actually Means (in Plain English) Imagine telling your AI assistant: "Restock my household essentials under $150 total, prioritize eco