"UPI"

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Using bank lending as a starting point for analyzing DeFi lending ignores the unique characteristics of each form of lending. It also suggests that banks have an impenetrable moat around credit intermediation without acknowledging the broader backdrop of technical and social change at the edges of the global financial architecture.

This article discusses the application and potential of cryptocurrency payments, particularly stablecoins, in the global payment system. It compares their advantages and disadvantages with traditional payments and mentions that the use of stablecoins is rapidly increasing, with their transaction volumes significantly surpassing those of traditional payment platforms like PayPal.

The author analyzes the potential of stablecoins as an infrastructure layer, drawing lessons from the era of Banking as a Service (BaaS), and predicts its profound impact on the industry in the next decade.