Stablecoins > Visa Mastercard. BlackRock on-chain. What if finance has just changed its infrastructure?
For a long time, we talked about crypto adoption.
Today, we’re starting to talk about financial infrastructure.
Several recent signals are revealing :
☑️ Stablecoins like USDT and USDC now exceed Visa and Mastercard combined in transaction volume.
☑️ The GENIUS Act is laying the groundwork for a regulatory framework for stablecoins in the United States.
☑️ And the world’s largest asset manager, BlackRock, is already deploying tokenized funds on-chain.
Taken individually, each event is interesting.
Taken together, they point to something deeper:
👉 Blockchain is no longer just a sector, it’s becoming an infrastructure layer.
Much like the Internet in the 1990s.
So the real question may no longer be:
“Will crypto be adopted?”
But rather:
Which parts of the financial system will migrate on-chain?
Three areas seem particularly obvious:
1️⃣ Payments and international settlement
Stablecoins enable instant, programmable, borderless transactions, 24/7.
For B2B payments, global trade, or institutional value transfers, this represents a paradigm shift.
2️⃣ Institutional treasury
More and more institutions are exploring ways to manage liquidity through tokenized assets, such as the
#BUIDL fund by
#BlackRock.
The promise: transparency, near-instant settlement, and automation.
3️⃣ The tokenization of assets… and collateral
Beyond traditional financial assets (bonds, money market funds, real estate…), another building block is emerging: collateral tokens used in DeFi.
These tokens represent locked assets and act as programmable collateral within financial protocols.
They enable credit, liquidity, and risk management systems to be built directly on-chain.
This is the approach explored by
#Velta with the
#KLAT token, designed to serve as native collateral within
#DeFi protocols.
If this type of mechanism becomes widespread, we could see the emergence of a new collateral infrastructure layer, fully programmable and interoperable across protocols.
In other words:
blockchain isn’t just tokenizing assets…
it’s also beginning to tokenize the very function of financial guarantees.
If this transition continues,
#blockchain could become for finance what the Internet became for information:
an invisible yet indispensable infrastructure.
We may be at the precise moment when we move from the experimentation phase to the integration phase.
#visa #mastercard #MiCa #stablecoin #collateral