Machines & Money: how Web3 flattens the world of money
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Summarises an A1 Research issue arguing blockchains are the foundation for open internet money: stablecoin payments, x402 agent commerce, neobanks bridging TradFi and DeFi, and tokenized capital markets.
Key claims
Stablecoins already take 3% of global remittances
Revolut at 65M users
PayPal's stablecoin at $4B supply
๐ง๐ต๐ฒ ๐ถ๐ป๐๐ฒ๐ฟ๐ป๐ฒ๐ ๐ณ๐น๐ฎ๐๐๐ฒ๐ป๐ฒ๐ฑ ๐ฐ๐ผ๐บ๐บ๐๐ป๐ถ๐ฐ๐ฎ๐๐ถ๐ผ๐ป. ๐๐ฟ๐๐ฝ๐๐ผ ๐ถ๐ ๐ณ๐น๐ฎ๐๐๐ฒ๐ป๐ถ๐ป๐ด ๐บ๐ผ๐ป๐ฒ๐.
In our latest @machinesmoneyA1 piece, our @a1research__ analyst @_exnihil0_ breaks down what that actually means, and how this shift will deeply reshape how money and markets function.
- "Permissionless, composable, programmable" is the trifecta making blockchains the only viable foundation for an open internet with native money and markets.
- Stablecoins already eating 3% of global remittances, and pretty much every major payment processor is building onchain at this point.
- x402 is turning AI agents into economic actors, with big players like Google, Visa or AWS already integrating this tech.
- Meanwhile, Neobanks are bridging TradFi and DeFi. Examples: Revolut at 65M users, Fiat24 offering Swiss IBANs on Arbitrum, EtherFi connecting bank accounts to onchain yield, and much more.
- Tokenized capital markets unlocking asset classes retail was never supposed to touch. From BlackRock's BUIDL fund to Apollo's credit strategies or pre-IPO shares in Anthropic and SpaceX.
- Fractionalization making illiquid assets liquid, including private equity, real estate and institutional credit, which like that all become accessible.
Crypto/Web3 has matured and come a long way.
Today, we're not waiting for TradFi adoption anymore.
It's already happening in real time, incl Visa settling in USDC or Stripe acquiring Bridge and building its own L1, while PayPal's own stablecoin sits at a $4B supply.
The only question left is who builds the infrastructure that properly captures this shift, and who gets left behind sticking to legacy rails.
Full breakdown in our latest issue of Machines & Money โ
@machinesmoneyA1 @a1research__ @_exnihil0_ Read the full report and subscribe to M&M by A1 Research on Beehiiv โ
machinesandmoney.beehiiv.com/p/building-the-future-1-how-web3-flattens-the-world-of-money
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