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a16z: Stablecoins Are Reshaping Global Financial Infrastructure, Accelerating the Arrival of a New On-Chain Finance Era
A research report released by a16z Crypto states that stablecoins have evolved from niche trading tools into the foundational layer of a new global financial infrastructure, giving rise to a new generation of “Banking-as-a-Service” (BaaS) models. Unlike the previous wave of BaaS, this new model is built on onchain infrastructure and integrates account management, payments, foreign exchange, and credit functions via self-custodial wallets—significantly reducing reliance on traditional intermediaries. The report classifies blockchains into three categories: general-purpose public chains (e.g., Solana and Ethereum), purpose-built chains optimized for payment use cases (e.g., Stripe’s Tempo and Circle’s Arc), and compliance-focused networks designed for regulated institutions (e.g., Canton). On the regulatory front, following the passage of the GENIUS Act, stablecoin issuers are competing aggressively for national trust charters from the Office of the Comptroller of the Currency (OCC), aiming to gain direct access to the Federal Reserve’s payment rails and secure a central position within the payments stack. The report also notes that stablecoins have made significant progress in the “middle mile” of cross-border payments; however, liquidity bottlenecks between stablecoins and local fiat currencies remain unresolved in emerging markets. Looking ahead, as stablecoin scale grows, the onchain credit market is poised to become the next major opportunity after payments—providing capital to borrowers underserved by traditional financial systems. Moreover, the widespread adoption of stablecoins is expected to further reinforce the U.S. dollar’s global dominance.
Revolut’s target valuation nearly triples to $20 billion, with a U.S. IPO as early as 2028
According to CoinDesk, citing the Financial Times, Revolut—the largest fintech company in Europe and a crypto-friendly platform—has informed investors that its target valuation range for its IPO is $150 billion to $200 billion, with the earliest possible listing date no earlier than 2028. Previously, in November 2025, the company completed a share sale at a valuation of $75 billion—representing over a 125% increase from that figure. Meanwhile, Revolut is reportedly preparing for a secondary share sale in the second half of 2026, with an expected valuation of approximately $100 billion. Financially, the company’s pre-tax profit for 2025 rose 57% year-on-year to £1.7 billion (approximately $2.3 billion). On the operational front, Revolut obtained a full UK banking license in March this year and has applied to the U.S. Office of the Comptroller of the Currency (OCC) for a U.S. banking license, accelerating its global market expansion. However, insiders indicate that a formal valuation target has not yet been finalized.
U.S. Bipartisan PACE Act Introduced to Establish a Unified Payment License for Fintech and Crypto Companies
According to Cointelegraph, bipartisan U.S. lawmakers jointly unveiled the “PACE Act,” which proposes to establish a unified national payment license for fintech and cryptocurrency companies, to be regulated by the Office of the Comptroller of the Currency (OCC).
Related news
a16z: Stablecoins Are Reshaping Global Financial Infrastructure, Accelerating the Arrival of a New On-Chain Finance Era
A research report released by a16z Crypto states that stablecoins have evolved from niche trading tools into the foundational layer of a new global financial infrastructure, giving rise to a new generation of “Banking-as-a-Service” (BaaS) models. Unlike the previous wave of BaaS, this new model is built on onchain infrastructure and integrates account management, payments, foreign exchange, and credit functions via self-custodial wallets—significantly reducing reliance on traditional intermediaries. The report classifies blockchains into three categories: general-purpose public chains (e.g., Solana and Ethereum), purpose-built chains optimized for payment use cases (e.g., Stripe’s Tempo and Circle’s Arc), and compliance-focused networks designed for regulated institutions (e.g., Canton). On the regulatory front, following the passage of the GENIUS Act, stablecoin issuers are competing aggressively for national trust charters from the Office of the Comptroller of the Currency (OCC), aiming to gain direct access to the Federal Reserve’s payment rails and secure a central position within the payments stack. The report also notes that stablecoins have made significant progress in the “middle mile” of cross-border payments; however, liquidity bottlenecks between stablecoins and local fiat currencies remain unresolved in emerging markets. Looking ahead, as stablecoin scale grows, the onchain credit market is poised to become the next major opportunity after payments—providing capital to borrowers underserved by traditional financial systems. Moreover, the widespread adoption of stablecoins is expected to further reinforce the U.S. dollar’s global dominance.
Revolut’s target valuation nearly triples to $20 billion, with a U.S. IPO as early as 2028
According to CoinDesk, citing the Financial Times, Revolut—the largest fintech company in Europe and a crypto-friendly platform—has informed investors that its target valuation range for its IPO is $150 billion to $200 billion, with the earliest possible listing date no earlier than 2028. Previously, in November 2025, the company completed a share sale at a valuation of $75 billion—representing over a 125% increase from that figure. Meanwhile, Revolut is reportedly preparing for a secondary share sale in the second half of 2026, with an expected valuation of approximately $100 billion. Financially, the company’s pre-tax profit for 2025 rose 57% year-on-year to £1.7 billion (approximately $2.3 billion). On the operational front, Revolut obtained a full UK banking license in March this year and has applied to the U.S. Office of the Comptroller of the Currency (OCC) for a U.S. banking license, accelerating its global market expansion. However, insiders indicate that a formal valuation target has not yet been finalized.
U.S. Bipartisan PACE Act Introduced to Establish a Unified Payment License for Fintech and Crypto Companies
According to Cointelegraph, bipartisan U.S. lawmakers jointly unveiled the “PACE Act,” which proposes to establish a unified national payment license for fintech and cryptocurrency companies, to be regulated by the Office of the Comptroller of the Currency (OCC).