Web3, AI & IT Advisor for LinkedIn Personal Branding | Web3 Deloitte | Event organiser | Guest Speaker

|| Before reading this: I only work with committed professionals who want to put in the work, are reliable, and are ready to be challenged. This being said, welcome.

After years of working with corporates, startups, agencies, and some of the smartest minds in Web3, I’ve realized that the best way I can serve the space is through what I love most: bringing knowledge and people together.

As Founding Managing Partner of Stablecoin Insider — the #1 independent journal dedicated solely to stablecoins - I aim to deliver high-quality insights and keep the ecosystem informed and relevant.

I create and share stablecoin content on LinkedIn and X as I learn myself the beauty of this evolving space. I further partner with stablecoin-related companies to co-create content together. 

Since 2018, I co-organized 20+ Web3 events and spoken at just as many. I am still active as event moderator in Web3.

I now lead the marketing team at Proof of Talk, after years contributing to the Dutch Blockchain Week.

Previously, I worked at Web3 Deloitte, advising on Web3 Enterprise Transition & Crypto Custody Exchange strategies. 

All of this contributes to what I call being a horizontal knowledge operator, able to activate GTM strategies across sectors by connecting the right people with the right messages.

I am genuinely a curious and strategic person, interested in collaborating and exploring ways to help each other reach individual and mutual objectives. I prioritize proactivness and believe in consistent commitment as well as honest relationships.

→ If you're a knowledge expert in the Stablecoin, TradFi, or DeFi space and want to share insights in our journal at Stablecoin Insider, send me a message.

→ If you want to book me as moderator, send me a message.

→ If you want to co-create stablecoin content together, send me a message. 

In any case, just reach out. If we are not a fit, we will still have an enjoyable conversation.

Let’s build and progress together.

Chiara

This map shows the top 100 stablecoins by market cap, split into four buckets. A few things jump out:

1. Fiat-backed is where the real battle is

This is where USDC, USDT, PYUSD, USDG and others live. These coins compete on regulation, disclosure, and banking access. 

= this is where corporates, fintechs, and neobanks are most comfortable parking real money.

2. Crypto-backed & hybrid are the s.c. innovation lab

DAI, GHO and others are stress-testing new collateral models and governance experiments. 

They’re incredibly important for DeFi, but most TradFi institutions will treat them as strategic exposure, not core treasury, until risk, liquidity, and regulation mature further.

3. Delta-neutral is the search for stable yield

These protocols try to generate yield while staying market-neutral. 

Interesting for on-chain funds and sophisticated traders, but still niche for traditional treasuries. 

Regulatory bodies are still holding them back.

So overall?

Distribution will decide the winners. 

The stablecoins on this map are just instruments.

The real power sits with the platforms that make them usable:

> Neobanks and BaaS platforms deciding which stablecoins become native in their stack

> Payment processors and PSPs embedding them into merchant flows

> Custodians and treasury platforms that turn them into usable products for corporates

Lots is coming, keep your eyes open.

Nice work from my friends Benjamin Levit, Jamie Brew and Franz Steinbeiß!

Chiara Munaretto

Managing Partner at Stablecoin Insider | Head of Marketing at Proof of Talk | Writing about stablecoins

If I were to learn the credit industry from 0 and understand where stablecoins fit, I would read this guide (credit value chain explained + stablecoins use cases):

The credit market is constantly evolving and stablecoins can play a significant role in there.

What does it mean?

I broke down:

1. Briefly private vs public credit
2. How generally credit chains work
3. The role of stablecoins
4. Opportunities with stablecoins
5. The role of SPVs

Stablecoins plug into the credit value chain as the funding and settlement layer.

The legal and risk framework stays traditional (SPVs, contracts, KYC, regulation), so what changes is that the assets become tokenised, cashflows become programmable, and participation can expand from local banks to a global, wallet-native investor base.

| The scope of this guide is purely educational. |

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Learn about Credit & Stablecoins

I spent the weekend looking into how neobanks are slowly stealing users from traditional banking rails through stablecoin integration and crypto offerings.

We are basically witnessing a total infrastructure flip.

Here are the 4 critical points I found in the data:

1. Rails comparisons: SWIFT/ACH costs $25–$70 per international wire and takes 1–5 days, while stablecoin rails (Solana/Base) costs <$0.01 and settles in 400ms to 2 minutes.

2. 8 out of 10 top neobanks are now using stablecoin rails internally for treasury settlement and liquidity routing. Even if the customer doesn't see "crypto," the neobank is using it internally.

3. The narrative that crypto is "niche" is dead. The #1 Neobank account type isn't salary (33%) or teen banking (39%), but it’s Crypto-linked accounts (56%). Users are actively demanding a bridge between fiat and digital assets.

4. It’s a flywheel effect: 

Migration: deposits are moving Bank → Neobank → Stablecoin platforms

Yield: Users are chasing higher APYs  banks can't offer

Settlement: On-chain networks (Solana, Tron, Avalanche) are outperforming SWIFT across every single metric

The leading firms are a mix of giants and natives: 

Revolut, Wise, Nubank, Rizon, Kea Bank, KAST, Kraken (Krak), Cash App, Aave Labs (App), and N26 are either stablecoin-natives or planning to integrate them.

I hope this breakdown brings you value. Read more inside the weekly Stablecoin Insider Newsletter.

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Revolut

Wise

Nubank

Rizon

KAST

Kraken

Cash App

Aave Labs

Stablecoin Insider

Harpreet Singh Maan

How is AI using stablecoins? I looked into AI agents' integrations serving the stablecoins space. Read more here below ↓

Stablecoins are becoming the natural rails for machine-to-machine value transfer, stepping into what most likely to call "programmable finance".

Cool projects under the radar are:

x402 (protocol): An open, HTTP-native payments standard from Coinbase that allows clients (including AI agents) to pay in stablecoins to access APIs/content programmatically.

Privy (infrastructure): Wallet + onboarding stack for apps and agents to embed self-custodial wallets, key management, auth, and transaction signing via one API. 

Pay3 (platform): An enterprise stablecoin payments platform now rolling out an “Agentic Payments Platform” so AI agents can autonomously send/receive/settle stablecoin transactions with routing and real-time settlement; positioned for global rails and fiat on/off-ramps. 

Google Agent Payments Protocol (AP2): open payments standard developed that lets AI agents transact on behalf of users and businesses. It supports various payment methods including stablecoins, enabling agents to pay for services or receive payment in fiat-pegged crypto. 

!! + in the comments difference between Google AP2 and x402!

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I don’t think you realized what jus happened last week.

Aave Labs just dropped the killer app the crypto world has been waiting for.

On November 17, Aave launched the Aave App.

It is a mobile savings app that lets anyone earn 6–10% APY on stablecoins (with really zero crypto knowledge required)

No wallet. No seed phrase. 

- 6% base yield instantly  

- Up to 10% with auto-deposits or referrals  

- $1M insurance per account (coming this month) 
 
- Already live on iOS, Android & web coming fast

This is HUGE to onboard trad users and owning distribution.

We are seeing it left and right.

Neobanks style is going to be the main narrative in 2026.

Aave turned the world’s safest DeFi protocol into the easiest way for normal people to earn crypto yields and they’re making stablecoins the new global money while doing it.

Can’t wait to test it.

(dm me if you want a referral code to get faster access!)

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In this new guide, I break down how stablecoins + parametric insurance can fix key pain points in traditional insurance:

1. Premiums → cheaper, faster global collection 

2. Claims → instant, event-based payouts 

3. Reinsurance → on-chain B2B flows with less money stuck “in transit”

4. New products → $1–3 micro covers, “balance = coverage” models, and depeg/DeFi risk

Inside, you will find:

> The friction + cost of trad insurance 

> What parametric insurance is 

> Where stablecoins can be plugged in

> Market examples 

If you’re in insurance, Web3, or building around payments and risk, this will give you a concrete mental model and real use case patterns you can consider integrating into your business.

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Learn about Stablecoins in the Insurance Industry

There's only one way to progress the space: talking about it.

And I did. With some extremely resourceful guests on one of the leading stablecoin podcasts, Stabledash, during the Bluechip Conference in Vienna.

We explored how ratings, regulation, and infrastructure are reshaping the stablecoin landscape.

Featured:

- Garett Jones, Bluechip: Why most stablecoins fail safety ratings

- James S., Ethereum Foundation: ETH as the dominant stablecoin chain

- Christian Niedermueller , KuCoin EU: MiCA and European liquidity

- Luis Schaubhut, AllUnity: Building Euro stablecoin infrastructure

- Vid Hribar, Raiffeisen Bank International AG: The 9-bank Euro stablecoin consortium

All episodes live now on the Stabledash event page, curated by Drew Rogers and Zach Fowler.

You find the link in the comments.

Want to chat further? I am curious to hear your takes.

Stabledash

Bluechip

Professor of Economics at George Mason University. Chief Economist at Bluechip, a stablecoin rating agency. Author of the Singapore Trilogy with Stanford University Press.

Ethereum Foundation | Global Digital Assets & Crypto Expansion

COO KuCoin EU | Co-Founder at SMAPE Capital | Co-Founder at DAIC | Senior Advisor | Board Member DAAA | VC serial investor | 16+ years banking/financial markets and 10+ years digital asset experience

taplio

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