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Stablecoins are reshaping how money moves across borders and balance sheets 🌍💸
Faster, cheaper, and more transparent, they are creating new opportunities for banks, fintechs, merchants, and corporates. This raises an important question: how should we approach stablecoins?
a. Embrace them wholeheartedly 💪
b. Avoid them completely ❌
c. Ignore them and hope they go away 🤷
To help navigate this evolving space, The Paypers’ Global Stablecoins Report 2026 dives into:
• Stablecoin fundamentals and ecosystem overview 📘
• Cross-border and B2B payments 🌐
• Operational and regulatory insights ⚖️
• Emerging technologies and orchestration 🤖
• Strategic opportunities for banks, merchants, and PSPs 🚀
A big thank you to our contributors: @B2C2Group, CageChain Media Group, LLC, Cybrid, EY-Parthenon, @ingenico and @WalletConnect, @MetaCompHQ, @neirajones, @OpenPayd, @withpersona, @RapydGlobal, SG-FORGE, Triple-A, @Unlimit_com, @volantetech, and @WorldlineGlobal🙏
Discover the latest stablecoin trends and insights to make informed decisions. Download your copy now! 📥
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EBA's new insight note breaks down CBDCs, stablecoins, tokenised deposits & deposit tokens: same terms, aligned definitions, clear use cases and limitations, all in one fact pack.
🗨️ Read more: buff.ly/yZVLj3A
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.@binance put $100M behind USDC ▶️ the exchange bought @circle stock at a 5% discount AND renewed its five-year commitment to promote USDC platform-wide, with a focus on emerging markets.
🗨️ Read more: buff.ly/9BxGHJR
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🧵A shopper orders a dress in four sizes, keeps the one that fits, returns the rest.
Nothing about that transaction looks like fraud. Legally, none of it is.
But scale that instinct up, and you get one of payments' fastest-growing, least-visible loss categories: first-party fraud 👉️ buff.ly/SP86Rky
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3/ The cost: refund fraud alone may be costing UK online retailers up to £5.76 billion a year (@portsmouthuni). And it's a double loss ▶️ the goods are gone, AND the money's already back with the customer.
The bigger problem: it hides inside ordinary returns and chargebacks, so most businesses can't even isolate it to build a case for fixing it.
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4/ What's coming next makes it messier: @Visa reported AI-driven traffic to US retail sites up 4,700%+ in a year. Soon, merchants face a dispute nobody's ready for ▶️ 'I didn't authorise that; my AI agent did.'
Sometimes true. Sometimes a lie. Almost no merchant today can tell the difference.
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EBANX is going global on two fronts ▶️ Pakistan launch incoming (JazzCash & Easypaisa first, Raast to follow). Meanwhile, in LatAm, EBANX now handles Apple Pay token decryption in-house across all 11 markets it operates in.
🗨️ Read more: buff.ly/o61fjwY
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.@perform_ai_'s new operating system optimises for AI agents that judge merchants on price & delivery speed. Four stages (Visibility, Checkout, Post-Purchase, Returns) plus a Logistics layer, all queryable via MCP inside the tools teams already use.
🗨️ Read more: buff.ly/rkoYgU0
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.@PineLabs 🤝 @googlecloud tackle the 3 real barriers: discoverability (AI can't recommend what it can't read), payments (P3P via UPI), and governance (Grantex for compliance).
🗨️ Read more: buff.ly/6i44mEp
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🧵 Most banks have run dozens of AI pilots by now.
The pattern is always the same: works in test, gets presented to leadership, then stalls. Six months later, it's technically 'active' with a handful of users ▶️ one of hundreds of frozen pilots across the bank.
Here's why, and what actually breaks the cycle 👉️ buff.ly/s4bF9qu
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3/ The fix isn't a core-banking overhaul. It's composable modernisation: pick one capability that needs an upgrade, connect it cleanly to existing systems, then move to the next.
Each upgrade strengthens the same shared data foundation instead of starting from scratch.
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4/ The best first AI use case isn't the most ambitious one; it's the narrowest: AI output that plugs directly into a decision someone already makes, just faster and better-informed (e.g., flagging suspicious transactions straight to the fraud team).
Get that right, and the second use case isn't another pilot. It's an extension of something that already works.
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.@BNPParibas is going all-in on agentic AI, with @googlecloud as the engine. Five-year deal brings Gemini Enterprise to build & deploy agents, starting in Corporate & Institutional Banking with credit memo prep, expanding to sales, trading & research.
🗨️ Read more: buff.ly/rbldVyp
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.@teyaglobal launched Savings Pots ▶️ 3% AER (variable), daily interest, instant access, all built directly into the app businesses already use for payments.
🗨️ Read more: buff.ly/M8C0hwS
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.@StrategyCorps acquired @quantuma1 to launch MIQ for Business Banking ▶️ assigning an AI agent to EVERY client, flagging loan needs and competitor-held services before relationship managers even ask.
🗨️ Read more: buff.ly/8pA7Mbv
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Is your eng team ahead of the rest of payments & banking, or behind? 🏦
@MAXC0DE's 2026 benchmark covers deploy speed, AI adoption, compliance friction, budgets & talent gaps.
5 min = a private look at where you stand before the report drops.
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🧵 A bank can build the best fraud model in the world and still lose to a scam that started on a platform it doesn't own, moved through a telecom network it doesn't control, and used an identity it never saw until the money was already gone.
So why does liability still fall almost entirely on the bank? 👉️ buff.ly/VZ2xAj5
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3/ Where collaboration is actually working: the UK's Stop Scams Blocked SIMs programme shared ~2.5M records, contributing to action against ~5,000 accounts. The Meta-NatWest-Metro Bank pilot (FIRE) helped remove ~20,000 scammer-controlled accounts in 6 months.
In Finland, banks + telecoms intercepted over half of the €148M that criminals attempted to steal in 2025.
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