I'm the Founder of Meteor Dreams, a Boston-based media and technology consulting company. This blog is my space to capture what I’m learning, from building products and leading teams to experimenting with ideas, tools, and creative pursuits. It is part lab notebook, part journal, and part guide. You can read more about me here
• Stablecoin, FinTech, Blockchain
Stablecoin payments look simple, but the reality is a three-layer sandwich where banks, issuers, and exchangers each take a bite. Add FX spreads, and users lose billions each year. The fix is direct tokenized deposits and on-chain FX markets that compress costs from dollars to cents.
• Blockchain, Stablecoin, FinTech
Fintech's future isn't being shaped in the U.S. or Europe. It's emerging in Lagos, Ho Chi Minh City, and Buenos Aires, where stablecoins and digital rails solve survival challenges.
• Stablecoin, Blockchain, FinTech
In 2017, blockchain was supposed to destroy banks. By 2025, JPMorgan runs $1B daily on-chain, BlackRock tokenizes treasuries, and Circle IPOs at $20B. The irony is sharp, but the lesson is clearer: the revolution did not fail, we just misunderstood what people actually needed.
• Stablecoin, FinTech, Blockchain, Engineering
Stablecoins promised safety, but without compliant yield, savers in inflation-hit markets lose value. CTO lessons on why DeFi lending survived, CeFi failed, and where safe yield might emerge.
• Stablecoin, FinTech, Blockchain
Stablecoins are hailed as the future of money, but adoption in emerging markets is blocked by broken off-ramps. From Nigeria to Argentina to the Philippines, the bottleneck isn’t wallets, it’s cash access.
AI agents already want to transact with one another, but current financial rails block them. Stablecoins may solve storage, but intelligence layers will unlock real-time, global payments.
• Blockchain, Stablecoin, Engineering
Most blockchain pilots failed, but the survivors now move real value. Stablecoins, DeFi collateral, and corruption-proof records show where blockchain’s design choices actually deliver.
Stablecoins settled $30T last year, surpassing Mastercard’s annual volume. Unlike past cycles where institutions speculated and retreated, this time they are building production infrastructure. From Google’s GCUL to JPMorgan’s Onyx to BlackRock’s on-chain fund, institutional adoption is no longer a pilot but a commitment.
Africa and LATAM processed more than $250B in remittances last year, sparking calls to mint local stablecoins. But creating tokens tied to volatile currencies does not solve the real challenge of FX liquidity. The bigger opportunity is in building better rails and intelligence layers around existing stablecoins like USDC and USDT.
The GENIUS Act delivers regulatory clarity for stablecoins in the U.S., but at a cost. By eliminating yield on reserves, it destroyed the business model that sustained issuers like Circle. The float has not disappeared, it has shifted offshore, to banks, and into new fee structures. This change may crown Tether king of emerging markets and force U.S. issuers to reinvent themselves.
