Stablecoin Solutions

About Stablecoin Solutions

The Stablecoin Solutions Podcast is where business, banking, and blockchain converge. Carlo is the founder of StablecoinSolutions.io and a federal criminal defense attorney at www.DAngeloLegal.com If this piece resonated with you, my book Make Your Wallet Your Bank goes deeper on exactly how to position yourself for what's coming. Download your free copy and learn how to put these ideas to work before the third act plays out. Here’s a link to download your free copy now: https://stablecoinsolutions.kit.com/39fe91a33e

Publisher

Stablecoin Solutions

Category

business

Language

en

Explicit

No

First episode

20 Oct 2025

Latest episode

3 Jul 2026

Latest episodes

14 episodes in the feed.

1. 

   3 Jul 2026

   Episode 14: The Banks Fought the Wrong War

   In this shorter July 4th–weekend episode, host Carlo D'Angelo recaps a busy week in stablecoins with markets closed and Washington heading into recess. CLARITY Act stuck in the mud. The market-structure bill — and its stablecoin yield provisions, where banks scored a partial win by blocking passive yield — missed its hoped-for July 4th signing. The new plan is to introduce it on the Senate floor and tee up an August vote after recess, with prediction markets around 60%. Carlo lays out the stakes: if it stalls past recess and into the midterms, it could fall off the agenda entirely, leaving crypto's status hostage to whichever party controls the regulatory agencies — a fragility a Supreme Court case on removing agency heads underscored this week. The banks fought the wrong war (https://open.substack.com/pub/defidefenders/p/the-banks-fought-the-wrong-war?r=1px4pf&utm_campaign=post&utm_medium=web). Elon Musk's X Money went live for Premium+ subscribers — and it's not a stablecoin. It's a fiat neobank product built on Cross River Bank's charter, offering 6% APY, 3% cashback, a metal Visa card, no FX fees, reimbursed ATM fees, and FDIC coverage up to $10M via multi-bank sweep, across 500–600M users. Carlo's take: banks bricked up the back door against stablecoin yield while Musk strolled through the front door with a fiat product, front-running their fee model entirely. A branded stablecoin could still follow. OUSD vs. Circle — the reserves change hands (https://open.substack.com/pub/defidefenders/p/ousd-vs-circle-the-yield-just-changed?r=1px4pf&utm_campaign=post&utm_medium=web). Open Standard's Open USD, backed by a 140+ member consortium (Visa, Mastercard, Stripe, BlackRock, Coinbase, and more), proposes to pass reserve yield to the businesses that distribute it rather than keep it — directly attacking Circle and Tether's revenue engine. Circle's stock dropped ~17%. But the story is developing fast: nothing is live yet, the GENIUS Act's rebuttable-presumption rules loom over third-party yield, CEO Jeremy Allaire pushed back on commercial (not regulatory) grounds, and reports emerged that several Korean firms — including Samsung Electronics — deny ever agreeing to join. Circle, meanwhile, is countering with its ARC chain and a new bank partnership. Tether says no to MICA. Paolo Ardoino confirmed Tether won't seek a MICA license, unwilling to park reserves in bank custody as the EU requires — potentially opening the European market to Circle while sidelining USDT. The Stablecoin Solutions Show airs live every Friday at 9 AM Eastern on X, LinkedIn, and YouTube, with replays on Apple Podcasts and Spotify. This is commentary, not legal advice.

2. 

   26 Jun 2026

   Episode 13: The Dollar's Third Act — Stablecoins, Statecraft, and the Coming Compliance Crackdown

   Treasury Secretary Scott Bessent took the stage at the Economic Club of New York and, in this host's reading, finally said the quiet part out loud: whoever writes the rules for digital assets and tokenized finance will shape the century—and those rules should be written in Washington. This episode unpacks what that means through the lens of the "dollar's third act": after Bretton Woods and the petrodollar, stablecoins become the new flywheel for Treasury demand, since every coin issued under the GENIUS Act must be backed by Treasury-equivalent assets, helping finance America's deficit at lower rates. From there, the show maps the friction building against that vision: a blunt new Bank for International Settlements report arguing stablecoins are "not yet money" and should be reshaped to protect the two-tier banking system; a five-agency proposal (FinCEN, OCC, FDIC, Fed, NCUA) that would impose blanket KYC/customer-identification requirements on issuers — which the host plans to formally oppose as overreach; and FBI Director Kash Patel's warning that crypto-crime season is back. The throughline is a sharp prediction: as the GENIUS Act's criminal penalties go live, enforcement exposure shifts from the usual scammers to the compliance officers and issuers who sign off on reserve reports and get them wrong. The episode closes on "Clarity Act watch," with the market-structure bill's window narrowing toward the August recess before the midterms potentially freeze it entirely. In this episode: (02:00) The Bessent doctrine and the dollar's "third act" — how stablecoins replace the petrodollar as the Treasury-demand engine (https://open.substack.com/pub/defidefenders/p/america-plans-to-run-the-world-on?r=1px4pf&utm_campaign=post&utm_medium=web) (08:45) The BIS "not yet money" report — central banks defend the two-tier system and push for bank-like stablecoins (https://open.substack.com/pub/defidefenders/p/not-yet-money-the-bis-wants-a-reset?r=1px4pf&utm_campaign=post&utm_medium=web) (13:34) The five-agency KYC/CIP proposal — why a blanket rule may choke global adoption, and the case for a risk-based compromise (https://open.substack.com/pub/defidefenders/p/the-stablecoin-kyc-rule-may-still?r=1px4pf&utm_campaign=post&utm_medium=web) (20:58) Kash Patel, the FBI, and the next crypto-crime season — from Silk Road and FTX to a new compliance-officer threat vector (https://open.substack.com/pub/defidefenders/p/the-fbi-is-coming-for-crypto-crime?r=1px4pf&utm_campaign=post&utm_medium=web) (26:25) Clarity Act watch — the closing legislative window, the bank fight over stablecoin yield, and what happens if it dies

3. 

   12 Jun 2026

   Episode 12 - The Stablecoin Strategist Intelligence Report Is Here

   It's a milestone episode! Today marks the launch of the first-ever Stablecoin Strategist Intelligence Repor (https://open.substack.com/pub/defidefenders/p/proposed-fincenofac-genius-act-stablecoin?r=1px4pf&utm_campaign=post-expanded-share&utm_medium=web)t — an in-depth breakdown of the proposed FinCEN/OFAC rules under the Genius Act, written through the lens of nearly 30 years of criminal defense experience. This isn't another compliance checklist. It's a guide to reading the rules for the enforcement actions and indictments that could follow if you get them wrong. Issue #1 is free on Substack; future reports go behind the paywall. Also in this episode: The Clarity Act stalls on ethics. The fight over restrictions on the Trump family's crypto dealings — including a constitutionally shaky proposal to let state AGs sue the DOJ — may be closing the window on a July 4th passage. Mastercard and Visa go agentic (https://open.substack.com/pub/defidefenders/p/the-money-layer-of-the-ai-economy?r=1px4pf&utm_campaign=post-expanded-share&utm_medium=web). Both credit card giants announced AI agentic payment integrations, validating the thesis that the AI economy will be built on crypto, with stablecoins as its currency. Data centers in space? Why the SpaceX IPO matters for AI's two biggest bottlenecks: energy and cooling. Coinbase builds the toll booth before the highway opens (https://open.substack.com/pub/defidefenders/p/coinbase-builds-the-toll-booth-before?r=1px4pf&utm_campaign=post-expanded-share&utm_medium=web). A new bundle packaging licensing, custody, KYC/KYB, fiat on-ramps, Base, and x402 into one stablecoin payments stack — and why the endgame isn't banks vs. stablecoins, but banks becoming nodes on stablecoin rails. Download the free Intelligence Report at The Stablecoin Strategist (https://open.substack.com/pub/defidefenders/p/proposed-fincenofac-genius-act-stablecoin?r=1px4pf&utm_campaign=post-expanded-share&utm_medium=web)on Substack, and catch the show live every Friday at 9 a.m. Eastern on X, YouTube, and LinkedIn.

4. 

   6 Jun 2026

   Episode 11: The Incumbents Strike Back: Banks, Cards & Remittance All Pivot to Stablecoins

   In just three days, three of the biggest sectors in money movement, the big banks, the credit card networks, and the money remittance giants, all signaled exactly where they stand on stablecoins. This week, I break down what these near-simultaneous moves reveal about where the industry is heading and just how disruptive fully regulated stablecoins are poised to be. First up: America's three largest banks, JP Morgan, Citi, and Bank of America, announced plans for a shared tokenized deposit network slated for the first half of 2027. In my Stablecoin Strategist newsletter, I discuss (https://open.substack.com/pub/defidefenders/p/the-big-banks-call-it-the-bridge?r=1px4pf&utm_campaign=post&utm_medium=web) how these "depository tokens" aren't the bridge the banks claim, but a moat designed to fortify their existing monopoly on consumer money and guard against deposit flight, a closed intrabank system that does little for the everyday consumer. Next: the "tollbooth operators." Visa, MasterCard, and Stripe are reportedly launching their own stablecoin, with whispers that Coinbase may be interested too, a development that could shake up Circle's upcoming contract renewal with Coinbase in August. I my Substack newsletter (https://open.substack.com/pub/defidefenders/p/the-tollbooth-operators-want-to-own?r=1px4pf&utm_campaign=post&utm_medium=web), I explore what direct-to-merchant stablecoin payments mean for the 2.5–3.5% merchant fee model, plus a look at Cash App's clever new "Wand" accessory and its implications for point-of-sale payments. Finally: MoneyGram announced a stablecoin (the MGUSD token) for cross-border remittance. In my intelligence report, I dig into the "poverty tax" charged to people sending money home, sometimes as much as 6%, and raises the recurring question of the episode: Show me the fees (https://open.substack.com/pub/defidefenders/p/show-me-the-fees?r=1px4pf&utm_campaign=post&utm_medium=web). If these are true near-zero-fee stablecoins, how will legacy players sustain 500,000+ physical locations and replace their fee-extraction revenue? The throughline: the incumbents now understand they either adapt to stablecoins or get disintermediated. With the FinCEN/Treasury comment period on the GENIUS Act's proposed AML/KYC regulations closing June 9th, and the Clarity Act facing an uncertain path through the Senate ahead of the midterms, the pressure is mounting. Resources mentioned: The Stablecoin Strategist (https://defidefenders.substack.com/about) newsletter on Substack (free), and the free guide Make Your Wallet Your Bank (https://stablecoinsolutions.kit.com/39fe91a33e). Find all links at stablecoinsolutions.io. The Stablecoin Solutions Show airs live every Friday at 9 a.m. Eastern. Catch replays on YouTube, Apple Podcasts, and Spotify.

5. 

   29 May 2026

   Episode 10: Cash App Brings USDC to 60 Million Users — But the Hard Half Comes Next

   In this solo Friday episode, the host breaks down what may be one of the most significant stablecoin adoption milestones yet: Cash App's rollout of USDC to roughly 60 million users across Solana, Ethereum, Polygon, and Arbitrum. Why does this matter so much? Because Jack Dorsey's Block just turned one of America's most-used payment apps into a massive distribution channel for stablecoins — the "Trojan horse" that quietly onboards everyday users into blockchain without them even realizing it. But as the host argues, we're only 50% of the way there. Drawing on a real-world demo of buying a cappuccino with a USDC-linked Coinbase debit card, he walks through what actually happens "under the hood" — the stablecoins still convert to fiat and route through the Visa network, meaning merchants keep eating ~3.5% in processing fees and waiting days to get paid. A true "make your wallet your bank" economy requires re-plumbing the payment rails so merchants can accept stablecoins wallet-to-wallet, instantly, for pennies — bypassing card networks entirely. Also in this episode: The Clarity Act stalemate — why the host puts passage at roughly 50/50, the seven or eight Senate Democrats needed to cross the aisle, and how the ethics provisions targeting the Trump family have become a key sticking point (with a nod to the irony around congressional trading records). Why he rebranded his longtime "DeFi Defender" Substack to Stablecoin Strategies, and why in-depth compliance analysis matters now more than ever. The regulatory clock is ticking — the Genius Act's final rules land July 2026, with full compliance mandated by January 2027. Issuers, fintechs, banks, and merchants who don't have KYC, AML, auditing, and segregated reserves in order risk steep fines, sanctions, and even criminal consequences. Stablecoins vs. CBDCs — why Genius Act digital dollars are private-sector instruments, not government-controlled currency, and how Treasury Secretary Scott Bessent sees them fueling a treasury-demand flywheel by taking the dollar digital and global. Plus thoughts on Visa, Mastercard, and Western Union racing to adapt, the coming wave of branded stablecoins from giants like Walmart and Amazon, and why the host believes Jack Dorsey "isn't done innovating" on the merchant side. 📘 Download the free guide Make Your Wallet Your Bank (link in profile/pinned tweet) and subscribe to Stablecoin Strategies on Substack. 🎙️ The Stablecoin Solutions Show airs live every Friday on X — 8 AM Central / 9 AM Eastern. Replays available on YouTube, Spotify, and Apple Podcasts.

6. 

   22 May 2026

   Episode 9 — Redefining the Bank: Skinny Master Accounts, the Agentic Economy, and Why Warren Lost the Narrative

   Carlo welcomes John Wingate (https://x.com/PresidentHODL?s=20) from BankSocial for a wide-ranging breakdown of the most consequential week in crypto policy yet. They dig into Elizabeth Warren's meltdown at the Senate Banking Committee, her letter to the OCC over the nine new trust charters, and why her anti-crypto crusade is now hurting the very consumers she claims to protect. John explains how Fed Chair Waller's push to expand skinny master accounts beyond trust companies is quietly redefining what a "bank" even means in America for the first time in over a century — and why Kraken's recent approval signals the floodgates are opening. From there: the Clarity Act's odds on the floor, the Trump IRS settlement controversy, and a deep dive into x402, Circle's new marketplace, Stripe's payment integration, and what the AI agentic economy means for global Treasury demand. John drops some alpha on BankSocial's new Sidekick tool, and the episode closes with a tangent on quantum states, the singularity, and why the genius in AI is still the human asking the questions. Download your free copy of Make Your Wallet Your Bank and join the Stablecoin Solutions community.

7. 

   15 May 2026

   Stablecoin Solutions Show - Episode 8 - The Banking Cartel Panics: Inside the Clarity Act Markup Vote

   The Clarity Act just cleared the Senate Banking Committee — a massive milestone for crypto and stablecoin legislation. In this episode, I break down what happened during Thursday's markup vote, why Senator Elizabeth Warren's 44 amendments were defeated across the board, and how the banking lobby completely fumbled the bag in their final push to kill stablecoin rewards. I also walk through the backstory: the Genius Act, the Tillis–Alsobrooks compromise on Section 404, the ABA CEO's Mother's Day "call to action" letter, Senator Bernie Moreno's scathing response calling out the "banking cartel," and the banking lobby's desperate pivot to anti-money-laundering scare tactics. As a criminal defense attorney with nearly 30 years of experience defending money laundering cases, I explain why those AML arguments don't hold up — and why banks still keep their fees while remaining the #1 facilitator of laundered money. Plus: concerns about Section 301 and criminal exposure for code developers, the ethics provisions, what's at stake if the midterms flip and Warren gets the gavel back, and why traditional finance is waiting on the sidelines until this is law. In this episode: Clarity Act markup vote passes — what's in the bill Section 301 and the code developer problem (Tornado Cash, Samurai Wallet) Ethics provisions, the Trump family, and the congressional double standard The Tillis–Alsobrooks yield compromise (Section 404) Banking lobby's Mother's Day meltdown and Senator Moreno's response Warren's "unhinged" performance and why she's now isolated even from banks The 1920s capital markets parallel Why stablecoins (Circle, Stripe, Visa, Western Union) aren't going anywhere Suggested chapter markers: 00:00 – Intro & where to find the show 01:30 – Clarity Act passes Senate Banking Committee 02:00 – Section 301 and code developer prosecution concerns 02:45 – Ethics provisions and the congressional double standard 04:20 – Warren's 44 defeated amendments 04:55 – Backstory: Genius Act and the yield debate 07:00 – Tillis–Alsobrooks Section 404 compromise 09:45 – ABA's Mother's Day letter and Moreno's "banking cartel" response 15:40 – Banking lobby pivots to AML scare tactics 18:00 – My take as a 30-year criminal defense lawyer 21:00 – Warren's DeFi clip and breakdown 24:40 – The 1920s capital markets parallel 28:30 – Midterm stakes and why this window matters 30:30 – Stablecoin innovation is still coming 31:20 – Closing & free guide Get my free guide, Make Your Wallet Your Bank — learn how to break free from the banking toll-booth economy, eliminate fees, and self-custody your money. Link in profile. Just crossed 420+ subscribers — thank you! 🎙️ Live every Friday, 9 AM Eastern on X 📺 Replays on YouTube, Spotify, and Apple Podcasts Carlo D’Angelo is the founder of StablecoinSolutions.io (https://stablecoinsolutions.io/) and a federal criminal defense attorney at DAngeloLegal.com (https://dangelolegal.com/) . Download the free book Make Your Wallet Your Bank at stablecoinsolutions.kit.com/39fe91a33e (https://stablecoinsolutions.kit.com/39fe91a33e)

8. 

   2 May 2026

   Stablecoin Solutions Show Episode 7: Stablecoin Solutions Show — Uncle Sam's Debt Spiral, Visa's Solana Pivot, and Why DeFi Refuses to Die

   Carlo is joined by co-host John Wingate (https://x.com/PresidentHODL) of BankSocial for another no-punches-pulled breakdown of the stablecoin and broader crypto landscape. The guys open on the alarming milestone of U.S. national debt eclipsing GDP for the first time since WWII—and what currency debasement really means for the average consumer. From there, it's a packed hour covering everything from Big Payments capitulating to stablecoins to whether DeFi can survive its current gauntlet. In this episode: The "Uncle Sal" analogy: how runaway federal spending mirrors a family business borrowing to pay interest on its borrowing Visa's new Solana-based blockchain and what it signals about the death of traditional interchange (plus the Illinois law stripping interchange off tax and tips) Western Union's "Blockbuster moment" — can a brick-and-mortar remittance giant survive when anyone can send USDC for pennies? The CLARITY Act's real sticking point: it isn't yield, it's ethics provisions — and the Trump family's World Liberty Fi and Mar-a-Lago meme coin events have handed Democrats all the ammo they need John's odds on Clarity passing in May (spoiler: under 50%) and why gerrymandering rulings, midterms, and the war are eating Congress's calendar Mythos, Anthropic's exploit-hunting AI, and the existential pressure it's putting on both TradFi and DeFi infrastructure The quiet rotation of capital from DeFi front-ends back into NFTs and self-custody Why Bitcoin and Ethereum remain the most battle-tested systems on earth — and how that compares to Windows, AWS, and Oracle exploits BankSocial's work with corporate credit unions, bankers' banks, and cooperatives (think REI, WinCo, Ace Hardware) to build public-permissioned chains that bring micro-DeFi to community institutions The Stablecoin Solutions Show airs live every Friday at 9 AM Eastern on X and YouTube, and is available on Spotify and Apple Podcasts. Grab a free copy of Carlo's book at MakeYourWalletYourBank.com and learn how to break free from the tollbooth economy. If this episode brought you value, please share it—we're building a community to educate consumers and businesses on what's possible with stablecoins and DeFi.

9. 

   24 Apr 2026

   Stablecoin Solutions Episode 6: Fast Cop, Slow Cop: Tether, Circle & the Future of DeFi

   On this week's Stablecoin Solutions Show, I'm joined by John Wingate (https://x.com/PresidentHODL?s=20) from BankSocial for a wide-ranging, no-holds-barred conversation on the fault lines running through the stablecoin and DeFi landscape right now. We kick off with the state of the Clarity Act — why I think the banks are quietly slow-walking it toward the midterms where it likely dies, why John thinks the bigger problem is the crypto side trying to smuggle "rewards" language through the back door to effectively become unlicensed banks, and whether the Genius Act is already enough on its own for issuers like Circle and Coinbase to keep operating in the gray. From there we get into the brutal ~$200M wave of recent DeFi hacks against Drift, Aave, and others, the role AI is now playing on both sides of the attack surface — including the $75M deepfake-CEO wire fraud that proves TradFi's antiquated rails are just as exposed — and John's case that the answer isn't more decentralization but safer lanes where credit unions and community banks can bring retail into DeFi with real guardrails, freeze-and-recovery mechanisms baked in at the token level, and actual accountability. We close on my new "Fast Cop, Slow Cop (https://x.com/CarloD_Angelo/status/2047649430958932317?s=20)" piece comparing how Tether and Circle handle law-enforcement freeze requests, why Tether's willingness to act fast on notice may be quietly giving them a market-structure advantage over Circle (pending class action notwithstanding), and what real-time OFAC screening at the point of sale is going to look like as TRM's Beacon Network, Chainalysis, and the Tornado Cash verdict reshape what "compliant DeFi" actually means. Spicy, substantive, and exactly the kind of conversation you can only get with John in the room.

10. 

    17 Apr 2026

    Episode 5 - Clarity Act Secrecy, Circle's Freeze Dilemma & Paulson's "Break the Glass" Warning

    Clarity Act Secrecy, Circle's Freeze Dilemma & Paulson's "Break the Glass" Warning In this week's Stablecoin Solutions Show, Carlo breaks down three major developments reshaping the stablecoin landscape — and why consumers are being left out of the conversation. First up: the Clarity Act. Senator Tillis has pushed back the release of draft language on stablecoin yield provisions, and reporting from Eleanor Terrett confirms what Carlo has been warning about for weeks — legislators are deliberately shielding the text from public scrutiny ahead of a markup. With the bank lobby and crypto lobby battling behind closed doors over whether consumers can earn yield on digital dollars, Carlo argues the consumer has no meaningful seat at the table in the most significant piece of crypto legislation to date. Next, Carlo unpacks the newly filed class action lawsuit against Circle stemming from the April 1st, $285M Drift protocol exploit attributed to North Korea's Lazarus group. Building on ZachXBT's on-chain investigation and Jeremy Allaire's public response, Carlo explains why Circle almost certainly wins this case — stablecoin issuers operate under the same legal constraints as banks and can't unilaterally freeze wallets without court cover — but why the episode exposes a real gap: the legal mechanisms for triggering on-chain freezes need to evolve to match blockchain speed. Expect a hybrid judicial/administrative solution on the horizon. Finally, Carlo reacts to Hank Paulson's Bloomberg interview with David Westin, where the former Treasury Secretary called for a "break the glass" plan to prepare for a potential collapse in Treasury demand. Carlo argues Scott Bessent has already built that plan — and its name is the Genius Act. With a $39 trillion deficit and debt servicing out of control, engineering trillions in new stablecoin-driven demand for Treasuries may be the Treasury's last real lever. Carlo closes with his ongoing thesis: spend in stables, stack sats, and make your wallet your bank. Stablecoins solve the short-term friction of the legacy banking system — but they don't solve currency debasement, which is why a two-asset strategy still matters. Download Carlo's Free Book: https://stablecoinsolutions.kit.com/39fe91a33e

11. 

    12 Apr 2026

    Episode 4 - World Liberty Financial Scandal And What It Means for the CLARITY ACT

    I'm covering three big stories this week. First, I lay out my thesis that stablecoins are the dollar's third act — from Bretton Woods to the petrodollar to a digital dollar reserve system built on the GENIUS Act. The Iran war may have just put the final nail in the petrodollar coffin, and I think Treasury Secretary Bessent knows it. Second, the White House backed up what I've been saying for weeks: the banking lobby's doomsday predictions about stablecoin yield are overblown. Banks pay you less than 1% on deposits while fighting tooth and nail to make sure you can't earn 4–5% on stablecoins. I break down why, and what Congress needs to do about it before the Clarity Act markup. Third — and this one really frustrates me — World Liberty Financial dropped a bombshell the night before this episode. A $75M DeFi borrowing move that drained liquidity and locked retail users out of their funds, right when we're trying to get the Clarity Act over the finish line. The timing could not be worse, and Senate Democrats are going to use it. All this and my case for why making your wallet your bank is the smartest move you can make right now.

12. 

    31 Dec 2025

    Episode 3 - Robert (“Infra”) — Infranomics

    Are we living through a “silent depression” — and what does that mean for young people trying to build wealth? Robert (https://x.com/infraa_?s=20) (“Infra”) joins Carlo to explain why the economy feels harder than the data suggests—and how debt, debasement, and liquidity cycles are reshaping the future. This episode connects macro trends to real life outcomes, and explores Bitcoin, stablecoins, and Treasury policy as mechanisms driving the next phase of financial markets. Why traditional metrics can be misleading without the “right denominator” The long decline of real purchasing power and participation Asset inflation as a mask for systemic degradation Negative real rates as the unavoidable fiscal solution QE mechanics: reserves, asset swaps, and liquidity Treasury bill dominance and “Treasury-centric liquidity” Stablecoins + Treasuries as a demand flywheel Triffin’s Dilemma + why reserve currency status has a cost The case for owning scarce assets in a debasement regime A long-term Bitcoin price framework tied to money supply growth 00:00 — Intro: Carlo welcomes Robert (“Infra”) 01:00 — Infra’s origin story: early Bitcoin + macro obsession 03:30 — Why macro matters more than stock picking 04:40 — “Silent depression” & the K-shaped economy 07:10 — Why homeowners were buffered, and young people weren’t 09:40 — Debasement as the mega-trend 13:00 — Negative real rates & financial repression explained 14:05 — World War II playbook: capped rates + hot inflation 15:15 — Why Bitcoin & gold benefit in debasement regimes 16:20 — Avoiding leverage, building income streams 18:30 — Why Infra launched YouTube (and why it took off fast) 21:40 — Setting the table: $38T debt + BOJ + Fed cuts + liquidity 23:00 — What “money printer go brrr” actually means 27:20 — Repo market strain & liquidity warnings 33:00 — Election cycle + money markets + Powell exit 35:15 — Treasury-driven liquidity: a new regime? 36:45 — GENIUS Act stablecoin flywheel explained 37:50 — Triffin’s Dilemma (simple explanation) 45:00 — Mar-a-Lago Accord / Plaza Accord 2.0 47:40 — Stablecoins: bullish dollar tool or last Hail Mary? 48:30 — Inflation expectations (not “hyperinflation”) 53:20 — Practical advice: debt payoff, skills, DCA, income 56:30 — Bitcoin outlook: 2027 and beyond 59:10 — Where to follow Infra 60:00 — Outro

13. 

    23 Dec 2025

    Episode 2 - CJ Konstantinos, founder of People’s Reserve

    Bitcoin as Pristine Collateral, Stablecoins, and the Future of Finance In Episode 2 of the Stablecoin Solutions Podcast, I sit down with CJ Konstantinos (https://x.com/CJKonstantinos?s=20), founder of People’s Reserve, for a wide-ranging and deeply technical conversation on where Bitcoin, stablecoins, and traditional banking are headed. CJ is a longtime Bitcoiner with a background in accounting and finance, and he brings a rare ability to bridge traditional financial systems with Bitcoin-native thinking. We unpack why Bitcoin is emerging as pristine collateral, how stablecoins are quietly dismantling fractional-reserve banking, and why banks that fail to adapt may not survive the next decade. This episode goes far beyond price action. We dive into collateral theory, DeFi vs. TradFi, the GENIUS Act, stablecoin regulation, and even a preview of a revolutionary Bitcoin-backed mortgage insurance model that could reshape housing affordability. Episode 2 — Key Timestamps & Topics 00:00 – Introduction Welcome to Episode 2 Introducing CJ Konstantinos, Founder of People’s Reserve 02:15 – CJ’s Background Accounting, finance, Austrian economics Discovering Bitcoin as an alternative financial system 03:45 – Early Bitcoin Adoption Buying Bitcoin at ~$150 Mining, market cycles, and early skepticism 04:40 – Bitcoin Volatility & Market Psychology Fear & Greed Index Why Bitcoin isn’t volatile — people are 06:10 – Institutional Adoption BlackRock, ETFs, Larry Fink, Jamie Dimon Bitcoin as an emerging equity layer 07:30 – Bitcoin vs. Gold vs. Treasuries Settlement speed Cost and trust issues with traditional collateral 09:40 – Bitcoin as “Pristine Collateral” Absolute digital scarcity Verifiability, instant settlement, and trust 12:00 – Inflation, Trust, and Fiat Currency Why trust—not CPI—is the real trigger for hyperinflation Treasury debasement since 2020 15:10 – Never Sell Your Bitcoin CJ’s personal story: buying a home with 100 BTC The cost of violating Bitcoin’s golden rule 17:30 – Eliminating Liquidation Risk Cross-collateralized loans (Bitcoin + property title) Why margin-based Bitcoin loans are flawed 19:15 – Banks vs. Bitcoin-Native Lending Why banks still misunderstand Bitcoin Bitcoin treated as a speculative asset, not collateral 21:45 – “Stack Sats, Spend Stables” Why Bitcoin is savings tech Stablecoins as spending tech 24:00 – Merchants, Payments & Stablecoins Credit card fees vs. Bitcoin & stablecoin rails Merchant incentives and settlement efficiency 27:00 – Credit Cards, Float, and DeFi Why credit cards are becoming obsolete Borrowing at interbank rates via DeFi 32:45 – Banks Are in Trouble Fee extraction models Why stablecoins move money faster than banks 34:15 – Fractional Reserve Banking Explained What fractional reserves really mean Why FDIC exists 37:00 – Silicon Valley Bank & the Bank Term Funding Program Interest rate risk How the Fed absorbed bank balance sheet losses 39:30 – Stablecoins vs. Bank Deposits Fully reserved money 24/7 access without permission 40:30 – Why Stablecoins Will Kill Fractional Reserve Banking Tether as the most profitable “bank” in the world Fully reserved models vs. leveraged banking 43:00 – GENIUS Act & Treasury Demand Stablecoins as a global buyer of U.S. Treasuries Why this is a calculated bet by Treasury 48:30 – Bitcoin + Stablecoins = New Financial Rails Why stablecoins alone aren’t enough Bitcoin as the missing equity layer 50:30 – Bitcoin Mortgage Insurance (NEW) Replacing PMI with Bitcoin-backed insurance Building equity faster and reducing debt 56:30 – Housing Affordability Crisis Why 50-year mortgages fail Engineering better financial solutions 57:45 – Financial Literacy for the Next Generation Education failures Why young people must opt out of broken systems 01:05:00 – Where to Find CJ & People’s Reserve Website, X (Twitter), newsletter Closing thoughts on freedom and financial sovereignty

14. 

    20 Oct 2025

    Episode 1: GENIUS Act Regulatory Roundtable: From Law to Launch--What You Need to Know

    In this roundtable chat we discussed the passage of the GENIUS Act and how fully-regulated, 1-to-1 dollar-backed stablecoins will totally redefine how we move money. For the first time ever, consumers, businesses and family offices can now send and receive cash at the speed of the internet, as opposed to the speed of banks. Now that the GENIUS Act has been signed into law, the United States Treasury and OCC are tasked with drafting the rules that will shape the future of digital dollars. In this episode we disussed what to expect. Moderator: Carlo D'Angelo, Stablecoin SolutionsPanelist: Caitlin Long (@CaitlinLong_ ), Custodia Bank Zack Shapiro (@zackbshapiro⁠), Rains LLPAnthony Bassili (@SmartestBeta⁠ ), Coinbase Asset Mngt. Rob Hadick (@HadickM⁠), Dragon Fly John Wingate (@PresidentHODL⁠ ), Bank Social

Reach and audience

Public platform figures. Ratings count people who left a rating, not total listeners.

Apple Podcasts (US)

5.0 / 5

6 ratings