Money Code

Presented by Stablecon; Powered by BVNK.In this episode of Money Code, hosts Chuk Okpalugo and Raj Parekh talk with Miles Suter, Bitcoin product lead at Block, about Cash App's new stablecoin experience and Block's long-running push to make Bitcoin everyday money.Miles explains why stablecoins now belong inside the same Cash App dollar balance as ACH and wires, why more than 40% of Lightning payments are being funded by dollars, and how Lightning could become the "global lingua franca" connecting stablecoins, Bitcoin, and merchants.Subscribe and listen to the Money Code podcast here:https://lnk.to/MoneyCodeSNChapters00:00 Cash App's stablecoin launch in one balance03:44 Block's Bitcoin mission is bigger than Cash App10:08 Dollars on Lightning proved the stablecoin UX13:19 Why crypto complexity blocks adoption15:04 Stablecoins as the bridge to Bitcoin17:30 El Salvador lesson: people want stable digital value20:33 Trust is built by what Cash App refuses to ship25:04 Stablecoins and Cash App's global path29:27 Stablecoins become another Cash App rail30:59 Why replacing cards is harder than fees37:31 Bitcoin purists, stablecoins, and internal resistance39:48 Lightning bridges Bitcoin and DeFi44:15 Bitcoin as savings, stablecoins as checking48:43 Where to find Miles and Bitcoin at BlockConnect with the Hosts & GuestChuk Okpalugo: https://www.linkedin.com/in/chuk-okpalugo/ | https://x.com/chuk_xyz/ | https://stablecoinblueprint.comRaj Parekh: https://www.linkedin.com/in/rajparekh7/ | https://x.com/rajparekh | http://monad.xyzMiles Suter: https://x.com/milessuter | https://block.xyz/bitcoinAbout StableconStablecon (https://stablecon.com/) is the premier gathering for those at the intersection of DeFi, economic policy, financial infrastructure, and institutional integration, and those reinventing global commerce. By convening the brightest minds in fintech and crypto, Stablecon provides attendees with world class thought leadership and fosters unparalleled networking and strategic collaboration across the digital payments industry. Whether you're building, advising, or navigating this new frontier, this is the room where it happens.About BVNKBVNK is the leading provider of stablecoin payments infrastructure, helping businesses move money faster, settle globally, and even launch their own stablecoin products. Head to https://bvnk.com/ to learn more.

Presented by Stablecon; Powered by BVNK.In this episode of Money Code, hosts Chuk Okpalugo and Raj Parekh sit down with Ayo Omojola, General Partner at Refract VC, former Cash App banking lead, and organizer of A Very Stable Conference. They unpack why the biggest stablecoin opportunity isn't in the US, where Chase is "ferocious" and payments feel good enough, but in serving billions of people worldwide who can now access dollar-denominated savings from an app store, and why $300B in circulating supply is still peanuts compared to what's coming.Subscribe and listen to the Money Code podcast here:https://lnk.to/MoneyCodeSNChapters00:00 Investing in stablecoins: why people matter more than tech03:30 The wealth flight thesis: why rich people move money to Switzerland08:00 Agentic payments: real or overhyped?12:35 A Very Stable Conference: catching lightning in a bottle19:20 The Jamie Dimon problem: competing with Chase26:00 Why long sales cycles are a product problem28:50 Cash App parallels: "we knew a secret"34:15 $300B is peanuts — the real market sizing math37:15 Why incumbents have paper-thin advantages42:45 "Fish don't feel the water as wet"49:20 Non-USD stablecoins: institutional gaps as the foothold54:30 Where to find Ayo and A Very Stable ConferenceConnect with the Hosts & GuestChuk Okpalugo: https://www.linkedin.com/in/chuk-okpalugo/ | https://x.com/chuk_xyz/ | http://stablecoinblueprint.comRaj Parekh: https://www.linkedin.com/in/rajparekh7/ | https://x.com/rajparekh | http://monad.xyzAyo Omojola: https://x.com/ay_o | https://kunle.appAbout StableconStablecon (https://stablecon.com/) is the premier gathering for those at the intersection of DeFi, economic policy, financial infrastructure, and institutional integration, and those reinventing global commerce. By convening the brightest minds in fintech and crypto, Stablecon provides attendees with world class thought leadership and fosters unparalleled networking and strategic collaboration across the digital payments industry. Whether you're building, advising, or navigating this new frontier, this is the room where it happens.About BVNKBVNK is the leading provider of stablecoin payments infrastructure, helping businesses move money faster, settle globally, and even launch their own stablecoin products. Head to https://bvnk.com/ to learn more.

Presented by Stablecon; Powered by BVNK. In episode 20 of Money Code, hosts Chuk Okpalugo and Raj Parekh are joined by Chris Harmse, Co-Founder and Chief Business Officer at BVNK, and Anthony Yim, Co-Founder and CTO at Artemis. They dive into BVNK and Artemis’ new YouGov survey on stablecoin usage to show how demand for “normal payments” is outpacing real-world access, and why the next adoption wave is less about ideology and more about embedding stablecoin rails into the fintech apps people already trust.Chapters00:00 Why this survey matters right now04:42 Stablecoins as everyday money (paid + spend)07:52 The 77% signal: stablecoins inside fintech apps15:35 Enterprise reality: sub-1% penetration, fast growth19:03 Demand outpaces access: the integration gap23:58 Do users want stablecoins or just faster payments?31:53 Instant cash-out mechanics and why legacy rails tax speed36:46 Closing takeaways + where to find BVNK and ArtemisConnect with the Hosts & GuestChuk Okpalugo: https://www.linkedin.com/in/chuk-okpalugo/ | https://x.com/chuk_xyz/ | http://stablecoinblueprint.com Raj Parekh: https://www.linkedin.com/in/rajparekh7/ | https://x.com/rajparekh | http://monad.xyz Chris Harmse: https://www.linkedin.com/in/chrisharmse/ | http://bvnk.com/ Anthony Yim: https://www.linkedin.com/in/anthonyyim/ | https://x.com/anthonyyim | https://www.artemisanalytics.com/ About StableconStablecon (https://stablecon.com/) is the premier gathering for those at the intersection of DeFi, economic policy, financial infrastructure, and institutional integration, and those reinventing global commerce. By convening the brightest minds in fintech and crypto, Stablecon provides attendees with world class thought leadership and fosters unparalleled networking and strategic collaboration across the digital payments industry. Whether you’re building, advising, or navigating this new frontier, this is the room where it happens.About BVNKBVNK is the leading provider of stablecoin payments infrastructure, helping businesses move money faster, settle globally, and even launch their own stablecoin products. Head to https://bvnk.com/ to learn more.

Presented by Stablecon; Powered by BVNK. In episode 18 of Money Code, hosts Chuk Okpalugo and Raj Parekh are joined by Cooper Thompson, Head of Innovation for Embedded Finance and Digital Assets at Fiserv. They argue that stablecoins won’t replace bank cores but will connect them, and that the real bottleneck for bank adoption is the liability side: if reserves sit in Treasuries or at GSIBs, stablecoins undermine deposit-funded lending unless “fiat-layer” designs keep backing deposits distributed across smaller institutions.Subscribe and listen to the Money Code podcast here:https://lnk.to/MoneyCodeSNChapters00:00 The bank funding problem stablecoins create00:55 Why Fiserv is in the “implementation layer”02:36 What banks want: trust, reliability, and constraints04:54 “Not everything moves onchain; cores stay”06:38 Why FIUSD: stablecoins ignored fiat-layer innovation10:33 FIUSD distribution: regulated-network cash, not DeFi liquidity12:12 Domestic rails vs cross-border wins, and where programmability matters17:36 Tokenized deposits vs payment stablecoins21:14 StoneCastle and the deposit network mechanism31:33 What products move onchain first: multi-party coordination36:45 Privacy on public ledgers: ZK, audit keys, and institution-grade needs39:49 Parting advice: when to adopt, and staying educatedConnect with the Hosts & GuestChuk Okpalugo: https://www.linkedin.com/in/chuk-okpalugo/ | https://x.com/chuk_xyz/ | http://stablecoinblueprint.com Raj Parekh: https://www.linkedin.com/in/rajparekh7/ | https://x.com/rajparekh | http://monad.xyz Cooper Thompson: https://www.linkedin.com/in/cooper-thompson-963a01171/ | https://www.fiserv.com/ About Money CodeMoney Code is the show that decodes stablecoins and the evolution of programmable money for builders, investors, and decision-makers. Each week, join hosts Chuk Okpalugo, Author of Stablecoin Blueprint and Raj Parekh, Head of Payments/Stablecoins at Monad Foundation as they break down the systems and strategies of seasoned operators in the space, revealing the insights you need for better build and buy decisions.About StableconStablecon (https://stablecon.com/) is the premier gathering for those at the intersection of DeFi, economic policy, financial infrastructure, and institutional integration, and those reinventing global commerce. By convening the brightest minds in fintech and crypto, Stablecon provides attendees with world class thought leadership and fosters unparalleled networking and strategic collaboration across the digital payments industry. Whether you’re building, advising, or navigating this new frontier, this is the room where it happens.About BVNKBVNK is the leading provider of stablecoin payments infrastructure, helping businesses move money faster, settle globally, and even launch their own stablecoin products. Head to https://bvnk.com/ to learn more.

Presented by Stablecon; Powered by BVNK. In episode 16 of Money Code, hosts Chuk Okpalugo and Raj Parekh are joined by Joao Del Valle, CEO and Co-founder at EBANX, and Chris Harmse, Co-founder and Chief Business Officer at BVNK. They break down why and how EBANX is incorporating stablecoins into its global money movement stack and share views for how to potentially seed non-USD liquidity via tokenized asset settlement rather than retail payments.Subscribe and listen to the Money Code podcast here:https://lnk.to/MoneyCodeSNChapters00:00 EBANX’s origin: local acceptance, foreign settlement03:00 Pay-ins vs payouts across fragmented emerging-market rails05:01 Stablecoins as a “100-country APM” with one integration09:06 The regulatory mood shift: CBDCs down, stablecoins normalized11:55 2025 breakout: checkout + payouts + embedded dollar wallets14:39 Expansion playbook: merchant-led, but regulation is the bottleneck17:58 Liquidity and VASP rules: stablecoins as common language24:07 Domestic RTPs are great, interconnectivity is the real gap26:47 Visa stablecoin settlement: sponsor banks unlock US scale29:52 Non-USD stablecoins: tokenization seeds the cash leg and liquidity37:48 Treasury ROI: speed, predictability, and visible payment status42:43 Compliance vs privacy: what flows need opacityConnect with the Hosts & GuestChuk Okpalugo: https://www.linkedin.com/in/chuk-okpalugo/ | https://x.com/chuk_xyz/ | http://stablecoinblueprint.com Raj Parekh: https://www.linkedin.com/in/rajparekh7/ | https://x.com/rajparekh | http://monad.xyz Chris Harmse: https://www.linkedin.com/in/chrisharmse/ | http://bvnk.com/ João Del Valle: https://www.linkedin.com/in/joaodelvalle/ | https://www.ebanx.com/ About Money CodeMoney Code is the show that decodes stablecoins and the evolution of programmable money for builders, investors, and decision-makers. Each week, join hosts Chuk Okpalugo, Author of Stablecoin Blueprint and Raj Parekh, Head of Payments/Stablecoins at Monad Foundation as they break down the systems and strategies of seasoned operators in the space, revealing the insights you need for better build and buy decisions.About StableconStablecon (https://stablecon.com/) is the premier gathering for those at the intersection of DeFi, economic policy, financial infrastructure, and institutional integration, and those reinventing global commerce. By convening the brightest minds in fintech and crypto, Stablecon provides attendees with world class thought leadership and fosters unparalleled networking and strategic collaboration across the digital payments industry. Whether you’re building, advising, or navigating this new frontier, this is the room where it happens.About BVNKBVNK is the leading provider of stablecoin payments infrastructure, helping businesses move money faster, settle globally, and even launch their own stablecoin products. Head to https://bvnk.com/ to learn more.

Presented by Stablecon; Powered by BVNK. In episode 14 of Money Code, hosts Chuk Okpolugo and Raj Parekh are joined by José Fernández Da Ponte, President and Chief Growth Officer at the Stellar Development Foundation.They unpack why stablecoins are first transforming treasury and capital markets rather than consumer payments, what drives institutional adoption, and why non-USD stablecoins are critical to global trade infrastructure.About Stablecon Stablecon (https://stablecon.com/) is the premier gathering for those at the intersection of DeFi, economic policy, financial infrastructure, and institutional integration, and those reinventing global commerce. By convening the brightest minds in fintech and crypto, Stablecon provides attendees with world class thought leadership and fosters unparalleled networking and strategic collaboration across the digital payments industry. Whether you’re building, advising, or navigating this new frontier, this is the room where it happens. About BVNK BVNK is the leading provider of stablecoin payments infrastructure, helping businesses move money faster, settle globally, and even launch their own stablecoin products. Head to https://bvnk.com/ to learn more. Connect with the Hosts & Guest Chuk Okpalugo: LinkedIn, X, stablecoinblueprint.com Raj Parekh: LinkedIn, X, monad.xyz