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From Trading to Payment: Circle and Mastercard's Stablecoin Strategy

Summarized from an interview with Circle's Chief Commercial Officer Kash Razzaghi, this article discusses Circle’s strategic partnership with Mastercard to advance the adoption of stablecoins and blockchain-based payments. While best known for its USDC stablecoin, which has a market cap exceeding $77 billion, Circle aims to build broader financial infrastructure that enables faster, cheaper, and more transparent value transfer using blockchain technology. Razzaghi highlights that the current crypto market remains speculative but emphasizes a shift toward real-world utility, particularly in payments, remittances, and as a store of value in inflation-hit economies. He identifies three major use cases for stablecoins: trading and investing, cross-border payments, and dollar-based savings in unstable monetary environments. The collaboration with Mastercard is framed as essential for scaling trust, reducing friction, and accelerating mainstream adoption. Razzaghi believes that true adoption will occur when users transact in stablecoins without even realizing the underlying technology—similar to how people use the internet without understanding HTTP. The interview also touches on regulatory progress and growing institutional interest, signaling that blockchain infrastructure is increasingly seen as a tool to upgrade traditional financial systems rather than replace them.

比推03/13 06:42

TURBO Rockets 27%: Will the Rally Accelerate or Face a Pullback Soon?

TheNewsCrypto03/13 06:26

Vitalik Wrote a Proposal Teaching You How to Stealthily Use AI Large Models

Vitalik Buterin and Ethereum Foundation's AI lead Davide Crapis proposed a system called "ZK API Usage Credits" that enables anonymous access to AI models like ChatGPT using zero-knowledge proofs. Instead of registering with personal details, users deposit funds (e.g., 100 USDC) into a smart contract. Each API request is accompanied by a ZK proof verifying the user is on the approved list and has sufficient balance—without revealing their identity. This approach prioritizes privacy in an AI-dominated era where user interactions are increasingly personal. Vitalik has been actively discussing AI, emphasizing Ethereum’s role as an immutable, censorship-resistant data layer in a world flooded with AI-generated content. He argues that as AI makes fabrication easier, trusted public ledges become essential. The Ethereum Foundation has expanded its privacy research team and integrated AI and privacy into its roadmap, signaling a strategic alignment with future demands for verifiable and private digital infrastructure. Although the proposal is still theoretical and faces skepticism, it highlights a growing need for privacy-preserving technologies as AI usage escalates.

marsbit03/13 06:25

Multicoin Co-founder: Is Decentralization Always Slower Than Centralization? PropAMM Is Breaking This Bias

In a recent article, Multicoin Capital co-founder Kyle Samani argues that PropAMM (Proactive Automated Market Maker) on Solana represents one of the most significant innovations in market microstructure in decades. It challenges the long-held belief that decentralized systems are inherently slower than centralized ones due to global node communication. In traditional centralized exchanges (CEXs), market makers co-locate servers and engage in constant bidirectional communication with the exchange to update orders, resulting in latency. In contrast, PropAMM runs market-making algorithms directly on the Solana blockchain, eliminating the need for inter-server messaging. Price updates occur within the same physical silicon, drastically reducing latency. PropAMM already offers narrower spreads for SOL-USDC spot trading than major CEXs. Samani predicts it will dominate on-chain trading across spots, perpetuals, and prediction markets in 2024. Current challenges include non-deterministic routing and lack of guaranteed best execution for takers, but solutions from aggregators like Jupiter and dFlow are expected. Upcoming Solana upgrades—such as higher compute limits, reduced slot times, and lower network latency—will further enhance PropAMM performance, solidifying its advantage over traditional systems.

marsbit03/13 06:22

Dialogue with Circle's Chief Commercial Officer: Partnering with Mastercard to Accelerate the Adoption of Crypto Payments, Stablecoins' Future Extends Beyond Trading

Circle, the issuer of the USDC stablecoin with a market cap exceeding $77 billion, is expanding its focus beyond stablecoins to build a comprehensive internet financial platform. The company is developing infrastructure—including developer tools, a payment network, and its own blockchain, Arc—to facilitate the transition of financial services to blockchain technology. This shift promises faster, cheaper, and more transparent global payments. In a recent interview, Circle's Chief Business Officer Kash Razzaghi emphasized that modernizing the financial ecosystem is too large a task for any single entity, highlighting the importance of partnerships, such as with Mastercard. He noted that Mastercard’s involvement lends credibility and accelerates the adoption of blockchain-based payments. Razzaghi identified three primary use cases for stablecoins: trading and investment (currently the dominant use), cross-border payments (due to lower costs and faster settlement), and store of value (especially in countries experiencing hyperinflation). He believes mainstream adoption will occur when the underlying technology becomes so seamless that users are unaware they are using stablecoins—similar to how people use the internet without understanding HTTP. Reflecting on his diverse career spanning sports, media, and fashion, Razzaghi underscored that his passion for mission-driven problem-solving and business development prepared him for his role in advancing blockchain-based financial infrastructure.

marsbit03/13 06:12

BlackRock Lists iShares Staked Ethereum Trust ETF on Nasdaq

BlackRock has registered its iShares Staked Ethereum Trust ETF (ticker: ETHB) on Nasdaq, marking its first crypto product to include Ethereum staking and the third such product available to U.S. investors. The ETF holds spot Ethereum and stakes 70% to 95% of its assets, distributing 82% of staking rewards to investors monthly. The remaining 18% is allocated to the trust, custodians, and staking providers. A sponsor fee of 0.25% is temporarily reduced to 0.12% for the first $2.5 billion in assets during the first year to encourage early adoption. Coinbase serves as the primary custodian and staking provider, receiving 10% of staking rewards, which decreases to 6% if assets reach $20 billion. Other entities involved are custodian Anchorage Digital and validators Figment Inc., Galaxy Blockchain Infrastructure LLC, and Attestant Limited. ETHB joins BlackRock’s existing crypto products, including the iShares Bitcoin Trust (IBIT) and iShares Ethereum Trust (ETHA). Competitor Grayscale offers similar staking products with varying reward distributions and fee structures.

TheNewsCrypto03/13 06:04

Largest Bitcoin Mining Pool Enters Zcash With Institutional-Grade Service

Foundry, the world's largest Bitcoin mining pool operator, has announced plans to launch an institutional-grade Zcash (ZEC) mining pool in April 2026. The new service aims to address the gap in ZEC mining infrastructure for institutional entities and public companies. Zcash, a privacy-focused cryptocurrency launched in 2016, offers stronger anonymity features compared to Bitcoin and Ethereum by hiding transaction details on its blockchain. Foundry's CEO noted that while Zcash has matured as an institutional asset, its mining infrastructure hasn't kept pace. The announcement comes as Zcash's network hashrate has significantly increased in recent months, rising from under 8 Ghash/s in October to over 13 Ghash/s. At the time of writing, ZEC is trading around $209, down over 11% in the past week.

bitcoinist03/13 06:02

Alameda Triggers $17M Solana Unstaking As Creditor Liquidations Resume

Alameda Research has unstaked approximately $17 million worth of SOL and moved the tokens to its bankruptcy-controlled accounts, as part of ongoing efforts to liquidate assets and distribute funds to creditors. The firm, which collapsed alongside FTX in November 2022, still holds around $321 million in SOL, making it one of the largest known holders tied to the FTX estate. These movements are closely monitored due to the potential market impact, as periodic distributions could introduce selling pressure. Despite this, Solana maintains strong on-chain activity and developer engagement, which continue to support long-term interest in the asset.

bitcoinist03/13 05:01

Solayer Launches Real-Time Stablecoin Payments on Live InfiniSVM Mainnet

Solayer Labs has launched the public mainnet of its InfiniSVM network, enabling wallets, explorers, and dApps to connect. This infrastructure supports over 330,000 TPS with ~400ms finality, providing high-speed, real-time execution. One of the first products leveraging this is Solayer Pay, a stablecoin payment layer designed for fast, low-fee transactions. It features an incentive model with referral rewards and cashback, redistributing a portion of the 0.5% deposit fee. The platform also announced a $35 million ecosystem fund to support projects in DeFi, payments, and AI-driven onchain systems built on InfiniSVM.

TheNewsCrypto03/13 04:53

From 5 Cents per kWh Chinese Electricity to $45 API Export Packages: Token is Becoming the New Currency Unit

From 5 Cents per kWh Chinese Electricity to $45 API Export Plans: Token Emerges as a New Monetary Unit In 1858, the first transatlantic cable connected Europe and America, shifting information control from traditional media to those who owned the infrastructure. Today, a similar shift is occurring with AI and crypto, where Token is evolving from a technical term into a fundamental unit of machine-driven economy. Token serves a dual role: in AI, it is a computational unit for billing API calls and model inference; in crypto, it is a medium of exchange. These parallel systems are converging as AI Agents automate tasks—reading files, calling APIs, managing workflows—while consuming Tokens as fuel. Protocols like x402 and ERC-8183 are enabling machines to natively understand, call, and settle payments using Tokens, compressing complex processes into seamless, protocol-based actions. China’s "Token出海" (Token going global) narrative highlights this shift. With China’s annual electricity consumption exceeding 10 trillion kWh—a global first—and its growing dominance in data centers and GPU-driven inference, Token exports represent a new form of resource abstraction: Chinese electricity and compute power are being packaged into Token-denominated services consumed globally. Models like Minimax and DeepSeek rank highly on platforms like OpenRouter, with ~13% of global usage originating from Chinese models in 2025. OpenClaw exemplifies how Tokens transition from a cost (like "talk time") to a production input: Agents execute complex tasks, consuming Tokens at scale. This makes cost differentials critical, and China’s competitive pricing accelerates adoption. Moreover, AI Agents are not just to spend Tokens but also to earn—through memes, fees, or even mining—demonstrating early economic behaviors. Crypto provides the ideal settlement layer for Agentic commerce: permissionless accounts, programmable escrow, and micro-payments. x402 gives Agents wallets; ERC-8183 enables contracts with evaluation-based escrow. Together, they form a machine-native economic loop. Token’s rise is not about replacing fiat but becoming the base-layer unit for machine transactions—a universal measure for pricing compute, services, and digital resources. The future won’t have one currency, but Token may underpin the new economy, where the power to compress resources into Tokens defines value creation.

marsbit03/13 04:50