Stablecoins won’t truly transform fintech because Jack adopts them at Airwallex (or even if Stripe or Uber do). They will because fintech founders now realize that with the right stablecoin infrastructure, AI tools, and some regulatory arbitrage, they can launch fintech companies 10x faster with a much smaller headcount. The barrier to entry is collapsing. Stablecoins make finance truly programmable. Programming is being democratized. Combine these and you get fintech 3.0