The rise of fintech companies and neobanks is shaking up money moves, especially where traditional banks have thrown up their hands.
Thanks to stablecoins, people in emerging markets are finally surfing the wave of programmable money, no legacy infrastructure required.
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Stablecoins for the unbanked billions
Fellow crypto expert Morgan Krupetsky from Ava Labs shared an opinion piece via Cointelegraph, and guys, that’s a good read!
He says with the GENIUS Act fresh off the press, fintechs are integrating stablecoins into all kinds of financial products, and they’re swooping in where old-school systems either don’t want to play or can’t keep up.
Imagine accessing dollars instantly, sidestepping inflating local currencies, sending remittances, getting credit, and spending. Just with a phone.
Today, stablecoins are the ultimate passport for the billion-plus adults still stuck outside the financial system’s velvet rope.
Especially in the Global South, they offer a lifeboat against wild currency swings.
Argentina’s inflation is pushing businesses and freelancers to bill clients and pay wages in USDC and USDT.
In Latin America, about 30% of remittances zip through stablecoins, while Turkey’s using USDT to dodge devaluation and inflation nastiness. Experts predicted this years ago, and now, it’s real.
Holding, lending, interest
And as Krupetsky concluded, here’s where fintechs shine, they bring US dollar access and banking-like services to people and businesses long left in the shadows by traditional finance’s rulebook.
They’re playing in spaces where big banks have shrugged off the challenge.
But holding stablecoins is just the start. Some fintechs hook customers up with blockchain-powered savings and lending platforms, making money work like a charm in places where banks offer little to no interest.
Replacing fiat?
Spending stablecoins is the final boss. The dream? Your stablecoins become a go-to payment tool, replacing clunky off-ramps into fiat.
DeFi-powered cards already let users make instant, cheap cross-border payments and daily buys wherever Visa’s king.
For people in developing countries, this means skipping costly remittance fees and slow bank transfers.
As Krupetsky mentioned, in 2024, stablecoin transfer volumes even outpaced Visa and Mastercard combined. The future is here.
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Disclosure:This article does not contain investment advice or recommendations. Every investment and trading move involves risk, and readers should conduct their own research when making a decision.
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Cryptocurrency and Web3 expert, founder of Kriptoworld
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With years of experience covering the blockchain space, András delivers insightful reporting on DeFi, tokenization, altcoins, and crypto regulations shaping the digital economy.
📅 Published: November 3, 2025 • 🕓 Last updated: November 3, 2025
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