2026-01-08 08:43:50

Mainstream fintech companies are re-evaluating opportunities in the crypto space.

PayPal has long launched the PYUSD stablecoin and is now deepening its integration with blockchain, migrating payment processes onto the chain. Stripe's approach is similar but more aggressive—they are betting on stablecoin infrastructure and even designing their own blockchain focused on payments, aiming to reconstruct the payment process from the ground up. Klarna's strategy is to issue its own stablecoin to optimize merchant settlement efficiency and reduce cross-border payment costs. Revolut is also exploring in this direction.

It seems that 2026 will become a key time window for collective entry into fintech. These companies share two common traits: first, they possess vast amounts of payment data and a large user base; second, they have made substantial investments in blockchain infrastructure. In other words, they are no longer spectators but are actively transforming the payment network with real capital.

Stablecoins have become the common entry point for this wave. Why? Because stablecoins address the biggest pain point in crypto payments—volatility. For merchants and consumers, being able to settle quickly with stablecoins is more practical than anything else. This may mark a turning point where crypto payments shift from idealism to pragmatism.

PYUSD-0,12%

View Original

This page may contain third-party content, which is provided for information purposes only (not representations/warranties) and should not be considered as an endorsement of its views by Gate, nor as financial or professional advice. See Disclaimer for details.

19 Likes

Reward
19
5
Repost
Share

Comment

0/400

RamenDeFiSurvivor

· 22h ago

Stablecoins are really about to take off. By 2026, these giants will enter the market together, and traditional finance will be shaken up.

View OriginalReply0

Gm_Gn_Merchant

· 01-08 09:14

The wave of stablecoins is really here. Big players like PayPal and Stripe are no longer pretending and are going directly on-chain. Will 2026 really see a change? --- I didn't expect Stripe to develop its own blockchain. It feels like the payment layer is about to be rewritten. --- Honestly, stablecoins are the savior. Their volatility has ruined many businesses. --- Fintech giants are gathering around blockchain. This time, it's not just marketing hype. --- Someone is finally really willing to cut into cross-border payment costs. --- From idealism to pragmatism—that's exactly what hits the mark. Finally, someone is doing real work. --- 2026? It feels like it already started in 2025. What are we waiting for if not the trend? --- Massive payment data combined with on-chain settlement—this combo punch is truly impressive. --- Klarna is serious about issuing stablecoins. Merchant settlement efficiency is definitely a pain point. --- The logic of stablecoins solving volatility is sound. It finally has some practical significance.

View OriginalReply0

NFTHoarder

· 01-08 09:03

I've been waiting for this day for a long time. Traditional financial giants are finally taking it seriously... Stablecoins are truly the real entry point. --- Stripe is building its own blockchain? This guy really dares to do it, restructuring the payment process at the core. --- 2026 is indeed a watershed moment, but we’ll have to wait and see if it truly materializes. --- Once volatility is handled, payments can truly go on-chain. This logic makes sense. --- If this wave of Fintech succeeds, those previous idealistic projects will be so awkward haha. --- Klarna issues stablecoins to reduce costs, but in the end, it's the merchants and users who benefit... Anyway, I’m optimistic. --- PayPal, Stripe, Klarna working together—just thinking about it, I know they will pour a lot of money into it. --- The era of pragmatism has arrived. Finally, we don’t have to listen to those utopian fantasies. --- Massive payment data combined with real financial investment—that’s the real deal. --- Solving the core issue of volatility with stablecoins is spot on. It all depends on who can run through it first.

View OriginalReply0

GweiTooHigh

· 01-08 08:57

Stablecoins are finally being taken seriously by the big players, unlike the previous group that just cut the leeks. --- Stripe is building its own blockchain, this guy is really ruthless. --- How many people will be needed in 2026 to absorb this wave of fintech entry... feeling a bit anxious. --- PayPal PYUSD has been around for a while, and now it seems like there's a real opportunity? A bit late to wake up. --- Volatility has been addressed, what's next? It still depends on actual adoption rates. --- It feels like big companies entering the market are just here to harvest the last wave of retail investors' profits. --- Klarna's move is good; directly reducing settlement costs, much more practical than just a concept.

View OriginalReply0

ColdWalletGuardian

· 01-08 08:57

The game of stablecoins has become bigger, and traditional finance finally understands the taste of pragmatism. I didn't expect Stripe to build its own chain, impressive move. PayPal and Klarna moving upward together, it feels like a change is coming in 2026. Finally, someone fixed the volatility bug, making crypto payments truly usable. Big companies are willing to spend money, indicating this is not just a gimmick. This time is different, with data, users, and real money involved, not just empty talk. From BTC evangelist to stablecoin engineer, the transformation is quite ironic haha. Could USDt be pushed out? Things are getting interesting now. On-chain settlement is really happening, good days are coming for merchants. Wait, Stripe building its own chain? Isn't this competing with Ethereum?

View OriginalReply0