The Block's Kelvin Sparks was joined by Solstice Founder Ben Nadareski and BonkX founder Jovan Tisma, who argue stablecoins will become the standard settlement layer within 10 years, compressing bank margins but unlocking DeFi access for retail. They stress the importance preserving permissionless principles while institutionalizing, and believe lifestyle-focused payments—not speculation—will drive mainstream adoption.

00:00 - Introduction

03:00 - Why Crypto Payments

10:00 - The 10-Year Horizon

12:00 - Building on Solana

17:00 - Breaking Into Payments

23:00 - Banks vs Stablecoins

30:00 - Onboarding Retail

34:00 - Lifestyle Banking

38:00 - Where Value Accrues

45:45 - The USX Incident

Guest links:

Solstice - ⁠https://twitter.com/solsticefi

Ben Nadareski - https://twitter.com/ben_solstice

BonkX - ⁠https://twitter.com/BonkX_SOL

Jovan Tisma - ⁠https://twitter.com/tishmica

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