2025: The Great Decoupling

Posted on December 23, 2025 by InsidePmts

Year-End Payments Recap

Summary: B2B Stablecoin and The End of the Interface Era

As we close the books on 2025, the payments industry finds itself at a moment that future historians will likely designate as the end of the “Interface Era” and the dawn of the “Agentic Era.” For the past three decades, the digitization of payments has been defined by the migration of human intent from POS to digital screens. From the first e-commerce transaction to the ubiquity of mobile wallets, the fundamental atomic unit of the economy remained the same: a human being, interacting with a graphical user interface (GUI), making a conscious decision to exchange value for goods or services.

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Stablecoin Plays and Players – Issuers, Infrastructure, and Innovators

Posted on July 10, 2025 by InsidePmts

Today’s blog is focused on private companies, business models, and competitive dynamics shaping the stablecoin “industry”. Note Google Gemini was used in discerning company performance and focus.

No we are not going to drill into every company in Block’s DeFi market overview, Stablecoin Liquidity, or the 172 companies in CB Insights Stabllecoin industry map… but rather some highlights and how the market is likely to evolve in near term. Even though I”m focusing on just a few of the companies below, this is still a rather long 25 pages.

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B2B Payments: Cards, RTP, and Stablecoins

Posted on June 21, 2025 by InsidePmts

Exec Summary

B2B payments are a great source of growth for card and RTP networks, with 90% of volume remaining on check and ACH. But investors and innovators hoping to flip volume must assess the market with a great deal of skepticism. No one wants to pay a bill more quickly. There are 2 key factors to look at when assessing B2B payments: 1) Who holds the power in the relationship (ex Supply Chain Channel Master) and 2) How is it sold and bundled with other services (ex Quickbooks/SAP procurement).

I don’t see this as an impact to any current GDV flows in next 3 yrs, only growth impairment. It takes time to change contracts.