banking access for people paid in stablecoins.
Joined November 2025
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39% of crypto users across 15 countries now get paid in stablecoins (bvnk and yougov, 4,658 people, feb 2026). obvious caveat, that's crypto users, not everyone.
but a landlord doesn't care about the sample size, they just want a payslip and there isn't one mad
strong gdp and hotter pce is a fair case for a hike. calling it "a strong reason" is doing a lot of work when december is already at 83%
🚨 FED JUST GOT A STRONG REASON TO HIKE RATES.
US PCE inflation and Q3 GDP data were released, and both came in favour of hiking rates.
PCE inflation rose to 3.6%, its highest level in 3 months.
US Q3 GDP data came in at 3.4%, higher than expectations of 3.2%.
This means the economic growth is strong while inflation is picking up.
This gives the Fed more room to hike rates without stopping economic growth.
Right now, December's rate hike odds are at 83%, and it'll go up after today's data.
39% of crypto users across 15 countries already get paid in stablecoins (bvnk and yougov, feb 2026). that’s a lot of people with a boss in one country and no credit history in any of them.
banks are going to have to look at this at some point 👀
stablecoins are becoming undeniable maybe everyone will be able to get a mortgage from them soon?
Banks could dismiss the ETFs, but not stablecoins.
Coinbase Institutional's Brett Tejpaul says the GENIUS Act is pushing banks to rethink payments, one of their biggest revenue streams
"If you're a naysayer at the bank, you could look at the big ETF moment, and you could dismiss it. You could say it was pent up demand. Think of that more as a trade, not as a business."
"But if you're one of these big banks, one of your biggest and most sustainable businesses is payments."
"The GENIUS Act actually put that business right in the spotlight of how are you going to continue your global banking presence and facilitate payments. This is a giant moneymaker and revenue stream that you've worked 50 years to build."
"So everyone took notice of the Citibank transaction as saying, oh my god, this industry is going to change."
"And some of the reflections at Sibos, they're career long payments people that are at the conference. And everyone was talking. It was the first year, by the way, that they kind of actively let crypto companies come into the building."
bank gets a deposit from a stablecoin salary. analyst asks for a payslip, there isn’t one. asks for a bank statement, also no. so it’s a screenshot and a sender that’s just hex. declined. honestly i’d be annoyed too
1,501 stocks onchain and a contractor paid in usdc still can’t show a bank what they earn. weird order to build it in
why 1 usdc holds near $1: circle holds reserves against it and approved customers can redeem 1 for $1 directly. if it ever trades under a dollar, buying it and redeeming is free money, so people do exactly that and the price snaps back. the code is the boring part, the reserves are what you watch
39% of crypto users across 15 countries say they get paid in stablecoins (bvnk and yougov, feb 2026). yes it’s a crypto-user survey, so don’t stretch it to everyone. still, if two in five of any group were paid in something no bank could read, we’d call that a problem. here we call it early
probably none of them, not soon. a bank can issue a dollar token tomorrow and the contractor paid in it still has no payslip to show anyone. issuance is the easy bit to regulate. the earner side is where people actually get stuck
‘connect your wallet’ seems to make a lot of people flinch
what we’re building asks for one signed message that proves the wallet is yours. read-only, no keys handed over, nothing moves.
any help pls on how to explain that to someone who’s never touched a wallet
stablecoin adoption is becoming more concrete
betting that next issue is setting clear rules for issuers don’t fix a bank asking for a payslip that doesn’t exist
equifax holds 813m employment records, all from payroll
a wallet payout shows up in none of them
so someone paid in usdc for two years can look like they’ve never earned a cent seriously crazy
€4.04 trillion of invoices were sold for upfront cash in 2025.
morpho wants to move some of that onchain, and the first problem on their list is proving the invoice is real. before rates, before anything. honestly that’s the whole game.
who vouches for the payer? (us btw)
what does verified income mean when pay lands in a wallet?
two things have to agree.
the company that sent it says yes, i paid this person. and the on-chain transfer matches. if only one exists you’ve got a claim
zero. that’s how many credit bureaus can read a wallet (equifax 10-k fy2025, galaxy research q2 2026).
meanwhile $400b of stablecoin payments went to real people and businesses in 2025 (artemis). i think that’s the most underrated gap in lending right now
ibit took in $665m on monday. all us spot bitcoin etfs together took in $527m, because fidelity and grayscale funds shed $138.5m between them.
one fund doing the lifting.
october is still about $88m down. i trust two weeks of outflows more than one big day
a survey of 4,658 crypto users in 15 countries found 39% already get paid in stablecoins (bvnk and yougov, feb 2026). all crypto users, so don’t read it as everyone.
what stuck with me is how many of those people are one landlord reference away from an awkward conversation.
read-only means someone can see what came in and can’t move anything.
proving a wallet is yours takes a signed message. a plain one moves nothing, just check your wallet shows readable text and not a transaction or a permit.
anything asking for more, close it