Stablecoins vs. Banks: Who's Really Winning the 2026 Settlement War?
Stablecoins vs. Banks: Who’s Really Winning the 2026 Settlement War? TL;DR The financial world is quietly splitting into two camps: traditional banks clinging to legacy settlement infrastructure, and stablecoin platforms promising faster, cheaper, and more transparent transactions. A heated Reddit discussion in the fintech community is asking the question everyone in payments is thinking about — who actually wins? The answer isn’t as clean-cut as either side wants you to believe. Institutional players like Stripe are already placing their bets (a $1 billion acquisition of Bridge doesn’t lie), while USDC and USDT continue to dominate the liquidity side of the equation. ...