Secure, instantaneous, borderless payments, limited (intermediary) fees, treasury/reserve management, lending & borrowing, bank account, payment card, self-holding - what need can't stablecoins address today?

All players in the money chain will be challenged on the more or less opaque fees they charge their customers for access to their money.

Programmable money is more than real-world money, it's the payment method of the generation raised on video games.

This generation is not made for static money, which loses value and which we think is secure because it's entrusted to another human being, the "banker" waiting behind his "counter".

Players in the chain who can't program money and rely solely on their license or position gained through regulation will exit the market. All those who are there "because they know someone" are not going to resist the wave of adoption of new services that make sense by money-owning users. Self-custody and self-management software will revolutionize our relationship with money, as new generations will no longer delegate what they can control.

In France in the Middle Ages (13th century), the development of trade was made possible by the development of money. At first local and numerous (thousands of them), the development of trade on the old continent has led us today to have only the euro. People's need to trade drives innovation in payment methods.

This need to develop exchanges also led to the simplification of the medium, which very quickly (still in the Middle Ages) became a bill of exchange to limit the costs and risks of physical transport. Finally, financial securities became electronic in 1984 and money in 2000.

Now, with blockchain tokens, it's the fungibility of what these units of value represent that is made possible by a universal medium. As payment, reserve, investment, lending and borrowing currencies, we will see the end of the silos between these notions.

An explosion of new services and uses that we don't know about today will emerge, technology will get ahead of regulation, professions will disappear and new ones will appear.

The huge difference between Web2 and Web3 Fintechs is that once FIAT currency has become stablecoin, there is no longer any dependence on the banking system and that's anything but a detail...