In this episode of the Applied Blockchain Podcast, Adi Ben-Ari speaks with Tony McLaughlin — founder of Ubyx, former Citi payments leader, and leading voice in the stablecoin movement — about why we are entering the Stablecoin Epoch and what it means for financial services worldwide.

With three decades in payments, Tony has seen the industry shift from being “boring” to becoming the frontline of digital transformation. Now, he argues that stablecoins and tokenized deposits are set to become the general-purpose form factor for money — reshaping everything from corporate treasury to everyday payments.

They explore:

• Why the stablecoin epoch is inevitable — and what makes it different from past payment rails

• The move from the account paradigm to the wallet paradigm

• How stablecoins are really traveller’s checks 2.0 in digital form

• Why banks and fintechs must compete on public blockchains

• The convergence of public and permissioned networks

• Tony’s vision for Ubyx and a universal acceptance network for stablecoins

📚 Resources Mentioned

• Ubyx – stablecoin ubiquity initiative

• Citi research on digital money and tokenization

• Industry debates on regulated stablecoins, tokenized deposits, and CBDCs

This podcast is brought to you by Applied Blockchain, a leading blockchain development company shaping the future of Web3 and decentralized technologies.

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⚠️ Disclaimer

This podcast is strictly for educational purposes and does not constitute financial or tax advice. It is not a solicitation to buy or sell any assets or make financial decisions. Always consult with a professional and do your own research.