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Most banks think "stablecoins" means launching a branded coin or app.
Wrong question.
The right one: which existing payment flow is already expensive, slow, or a reconciliation headache?
New interview with Financial Tech Times on why payment infra — not the visible stuff — is where the value is: financialtechtimes.com/serge…
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that’s cool
Excited to share that we have joined the @Circle Alliance Program, a global community of teams focused on bringing the world on-chain, powered by USDC!
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Onramp friction has always been the silent killer of DCA adoption. Glad this is solved now.
.@papaya_fi has integrated Mercuryo, so their users can now go from fiat to crypto within minutes and explore various DCA strategies right away.
Now, we power a simpler route from fiat funding to Papaya’s DCA tools.
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stablecoins already won.
but as a settlement layer, not a retail payment method.
my take from the @mpost_io panel at HSC Ho Chi Minh:
every rail starts with one-off transfers.
recurring is the hard part — and where the real volume lives 👇
mpost.io/regulatory-rails-an…
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in Bali for @coinfestasia 🌴
around the payments + infra sessions and the WalletConnect Pay pop-up. building recurring stablecoin payment rails at @papaya_fi.
if you're here, lmk. let's meet.
gm from Bali ☀️
We're at @coinfestasia this week, Aug 20-21.
Building the settlement layer for recurring stablecoin payments. If you're here and care about payments infra, come say hi.
@s19kravtsov is on the ground all week 👇
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Sergey Kravtsov retweeted
Papaya heads to Vietnam 🇻🇳
@s19kravtsov and @oyaboonx are in Da Nang for Business, Finance & Technology Week (July 7–12).
Sergey speaks at the flagship Vietnam Financial Forum on recurring stablecoin payments — the core infrastructure for the stablecoin economy.
July 9–10 · Ariyana Convention Centre, Da Nang
#Papaya #Stablecoins #VietnamFinTech
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My talk from Blockchain Community Day is online.
I won’t sell you a product — I’ll show you a problem and a way of thinking that solves it.
Crypto subscriptions hit four walls: push vs pull, dangerous approvals, linear gas, and custody.
The fix isn’t a payment feature. It’s the right algorithm. Recurring payments are the mirror of lending — same O(1) accumulator, just flipped from one-to-many into many-to-one.
piped.video/Zc_f5mNQziQ
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Sergey Kravtsov retweeted
Recording is live 🎥
@s19kravtsov at Blockchain Community Day 2026 breaks down why crypto subscriptions are hard and how to fix it.
The core idea: recurring payments are the mirror of lending. Same accumulator, flipped direction. Collecting from a million streams costs the same as collecting from one.
piped.video/Zc_f5mNQziQ
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Speaking today at Blockchain Community Day.
"From One-Time Transfers to Recurring Payments: Why Settlement Cost Is the Real Bottleneck in Web3"
Processing 1M recurring payments onchain shouldn't mean 1M transactions. I'll break down the architecture that fixes it.
19:00 GMT+8 · Online · Free 👇
luma.com/wupxaqku
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Sergey Kravtsov retweeted
Papaya’s co-founder @s19kravtsov is speaking at Digital Uzbekistan PLUS-Forum — the largest digital finance event in Central Asia.
Topic: Recurring stablecoin payments — how to build subscriptions and autopayments onchain.
2,500+ delegates from 36 countries. May 19–20, Tashkent 🇺🇿
uz.plus-forum.com
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Sergey Kravtsov retweeted
Excited to welcome Petr Kozyakov, Co-founder & CEO of @Mercuryo_io, as an angel investor and advisor to Papaya Finance.
Petr brings 15+ years in payments infrastructure — exactly the expertise we need as we build recurring payment rails for the stablecoin economy.
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Stablecoin payments hit $10.2B/month. But almost none of it is recurring.
Meanwhile in Web2, subscriptions are a $860B market growing to $1.2T. Failed card payments alone cost businesses $129B in 2025.
The thesis behind @papaya_fi: when stablecoins become default payment rails — and they will — someone needs to handle the recurring part.
#Subscriptions. Automated investing. #AI agent payments.
We started building this in 2024. #Crypto subscriptions first — live API/SDK, 9 chains, audited. DCA second — hourly investing on #Base. AI agents next.
One architecture underneath: O(1) settlement. One onchain tx settles millions of recurring payments. Patent pending.
#Stripe entered stablecoin subscriptions in Oct 2025. US-only, custodial, capped. We're global, non-custodial, uncapped. Different approach, same conviction — recurring #stablecoin payments are inevitable
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DeFi just had its biggest stress test of the year. $292M exploit, $10B+ in withdrawals from Aave, and what happened?
No regulator intervened. No bailout committee. Competing protocols — Aave, Lido, EtherFi, Golem — coordinated a recovery in days.
This is not a failure story. This is an immune system response from infrastructure that actually works as designed.
The real lesson: the problem was bridge infrastructure (1-of-1 DVN config), not DeFi architecture. The answer is better engineering, not more gatekeepers.
My thoughts for @DecryptMedia
decrypt.co/365431/aave-leads…
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I've been DCA-ing for 18 days!
Spent 16.80 USDC → earned 0.007522 WETH
+1.24 USDC (+7.3%) 🟢 papaya.finance/dca
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The US has about 12–18 months to attract the crypto infrastructure layer before it gets built elsewhere. Shared my take with @decryptmedia on why rules matter more than macro right now.
decrypt.co/364720/sec-offici…
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finally live 🔥 would love your feedback
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we just shipped the redesigned hourly DCA in ETH on @base 🔥
no more guessing the perfect day
no charts. no leverage. no timing the market
just set it — and the protocol buys wETH for you 24 times a day
90-second walkthrough with our co-founder @s19kravtsov of the new experience ↓
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just got off a panel on stablecoins.
adoption is closer than it looks 🚀
🚨 Stablecoins: What Really Matters? 🚨
Billions move through stablecoins daily but the whole game is evolving rapidly.
Next Thursday: Decoding stablecoins and what will matter most in the next wave.
🗓️ April 2 | 3 PM UTC | 11 AM ET
Join us live 👇
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Really excited about this. @gwaisman and Mercuryo’s network accelerates our path to wallet distribution — for both subscriptions, DCA and AI agent payments. Having this kind of backing behind our recurring payment infrastructure means a lot
Welcoming Greg Waisman to Papaya as angel investor
@gwaisman is co-founder of @Mercuryo_io — one of the leading fiat onramp infrastructure companies in crypto
his background sits exactly at the intersection of where papaya is going: recurring payments + fiat rails + wallet distribution
building the stablecoin payment layer is a team sport 🌴
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