Signals

Crypto-enabled credit: the next wave of the crypto financial stack

With experience scaling a crypto-payments platform to $50M liquidity, Maya explores the next real opportunity in crypto - reimagining credit. From yield-bearing stablecoins to crypto enabled credit cards

Maya previously built a crypto-enabled payments solution scaling it to 4K+ users and $50M in liquidity in 4months. She leverages her expertise in crypto & emerging markets to help crypto businesses scale into markets across the world

The relationship between crypto and traditional financial players (yes that now includes you too fintechs) has swung from disdain (remember those days when crypto was written off as a casino) to the recognition that crypto will usher the next wave of financial innovation (initially through tokenization and stablecoins). A key component of any financial stack is lending - so the question is what does the next iteration of crypto-enabled credit look like?

Here's how I believe the crypto enabled credit stack is going to evolve:

✅ Stablecoins being used for payments
✅ Crypto as a source of liquidity
🟧 Yield bearing stablecoins being used for treasury management and to hold funds
🟧 Crypto enabled lending platforms using crypto as a source of liquidity, managing origination & investing in underserved markets
❌Underwriting and creditworthiness is brought onchain

But before we jump to the future let's look to the present:

✅ Stablecoins being used for payments:

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