Stablecoins: Exploring Adoption, Regulation, and Real-World Applications

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Key Discussion Highlights

• ‍From hype to utility: Why stablecoins have moved beyond speculation and are now being used for real payment applications. The difference between volatile crypto assets and asset-backed stablecoins, and how value stability unlocks everyday use cases.‍
• Cross-border payments and remittances: How stablecoins reduce costs, settlement delays, and intermediaries. The growing relevance for merchants, treasurers, and consumers sending funds across borders.‍
• Micropayments and automation: The emergence of use cases such as small online purchases, machine-initiated transactions, and programmable money flows that traditional rails do not support efficiently.‍
• Industry adoption: The role of fintechs, banks, payment providers, and tech giants. Why companies like Stripe, PayPal, and Circle are taking the lead, and how Visa, Mastercard, and Swift are adapting.‍
• Regulation and geography: A look at the United States, Europe, and the United Kingdom. How the US is encouraging innovation, how MiCA affects European development, and how the UK is positioning itself in between.‍
• Stablecoins and CBDCs: Why they are seen as complementary rather than competing. CBDCs as a settlement layer and public infrastructure, and stablecoins as programmable and innovation-driven instruments.‍
• The consumer perspective: Why end users will not need to understand the underlying technology. Wallets, platforms, and apps will hide complexity and make digital money feel familiar.

Worldline’s Focus:

“There is a need to help banks be in the game... to provide a safe infrastructure. Not only the infrastructure, but also the appropriate regulation around that. And that’s where we want to play.”
- Clément Jozwiak, Chief Product Officer - Head Product Strategy.

About the Guests

Clément Jozwiak

Clément Jozwiak is Chief Product Officer and Head of Product Strategy for Financial Services in Europe, covering issuing, acquiring, digital banking, open banking, authentication, payments, PSD2, and digital currencies. He manages a 40-person team including Product Managers, Product Marketing, Product Design, Presales, and Solution. With a strong technical background and a pragmatic, business- and product-oriented mindset, Clément focuses on growing product teams and ensuring effective collaboration between all stakeholders.

Thibault Pelé

Thibault Pelé is Head of Product Digital Currency, focusing on blockchain, stablecoins, and CBDCs. He has a background in both engineering and business, and transitioned from coding to product management and strategy. Thibault began his career in the financial world before moving into the blockchain industry. He shares his journey and learnings in the digital asset space, and is interested in Web3, digital currencies, CBDC, blockchain, entrepreneurship, climate action, and technology.

About PaymentGenes’ Voices in Payments Podcast

The “Voices in Payments” Podcast is an initiative launched by PaymentGenes to positively impact the payments community, by educating and connecting the market with vertical-specific industry expertise.

PaymentGenes focuses on providing expertise-driven Recruitment, Contracting, and Consultancy. These services all resolve and intersect around payments.

Learn more about how we can help your business here.
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