On and off ramps for individuals and businesses; Merchant services and cross border payments for businesses; All on Stellar.
Crypto people: "Stablecoins will bank the unbanked!" Reality: We're not banking the unbanked We're routing around slow banks for the already-banked Narrative vs reality gap is hilarious The last mile is the only solution.
Only 13% of middle-market companies report actual stablecoin use, vs. Fireblocks' 49% among larger enterprises. The gap between those two numbers is the entire infrastructure-trust problem in one comparison. Size buys patience. Patience isn't a strategy.
November 2026: ISO 20022 becomes mandatory for structured address data in every cross-border payment message. Clean data = clean processing. Messy legacy systems = delays and rejections. A two-tier system, starting in 5 months.
The IMF just confirmed it in writing: Nigeria accounts for 60% of all stablecoin inflows into sub-Saharan Africa since 2019.
