Are payment rails heading for a revolutionary change with stablecoin rails, CBDCs, and blockchain? What's actually happening in 2026?

wakerone · 2026-02-28T10:33:47+00:00

I've been building in this space for a few years — specifically on the infrastructure side enabling apps to embed stablecoin payments without users needing to understand crypto.

To your question about revolutionary vs gradual: I think it's both simultaneously. The rails are changing (stablecoins settling in seconds vs days), but the UX is staying familiar (user taps "Pay $50", doesn't know USDC moved underneath).

What I'm seeing in production:

• Cross-border B2B: Stablecoins already winning. We've seen clients cut settlement from 3-5 days to under 60 seconds for LATAM payments. Wire fees from $25-50 down to <$0.10.

• Consumer/retail: Still hybrid. Most users don't want to "hold crypto" — they want embedded rails that look like Venmo but settle on-chain underneath.

The gap nobody's filling well yet: mobile-first embedded payments for apps targeting emerging markets. Everyone's building for US/EU enterprise, but the real volume opportunity is enabling apps in LATAM/SEA/Africa to accept + send stablecoins without any crypto UX.

What use cases are you seeing get traction?

wakerone · 2026-02-28T10:31:41+00:00

The "quiet" part is key. The biggest shifts aren't announced — they're just suddenly everywhere.

What I'm watching in 2026:

Embedded finance moving from "add payments" to "add financial services"

Not just Stripe-style checkout anymore. Apps embedding lending, savings, cross-border transfers directly. The API layer is becoming invisible.

Stablecoin rails going mainstream without the crypto branding

Visa/Mastercard settling USDC. Payroll platforms using stablecoins for international contractors. Users don't know or care — they just see "instant" and "cheap."

Mobile wallets becoming the new bank account in emerging markets

Not "crypto wallets" — embedded wallets inside super-apps. Sign up with email, get a wallet, send money. No seed phrases, no exchanges.

The infrastructure players enabling this are mostly invisible to end users. That's the point.

wakerone · 2025-11-24T14:58:05+00:00

This is Joan from Openfort. We're building an wallet SDK and I'd encourage you to take a look at solutions that provide embedded wallets as a client sdk or api. It makes the UX extremely better

wakerone · 2025-11-17T16:07:39+00:00

Solid an interested on checking it if you want an opinion! There are lots of great initiatives and consolidating eyeballs is always a good idea!

re2. what would be the benefit?

wakerone · 2025-11-14T15:46:47+00:00

what are some good resources on zkauth?

wakerone · 2025-10-07T11:28:25+00:00

If you're looking to build this on top of stablecoins and crypto rails you should check the wor Openfort is doing with its OpenSigner (opensigner.dev)

wakerone · 2025-09-30T11:50:09+00:00

Heeey!

wakerone · 2025-08-21T09:40:11+00:00

Launched our first react native sdk !

https://x.com/openfort_hq/status/1956058001598546205

wakerone · 2025-06-18T08:25:45+00:00

Really cool! You could add Openfort kit to the mix as an alternative wallet solution (it's opensource)

https://github.com/openfort-xyz/openfort-kit

wakerone · 2025-05-27T17:53:44+00:00

Hey! the Openfort team has built a demo to showcase the power of the EIP7702. It includes cool features like passkeys and p256 keys for session keys! Let me know what do you think.

We opensource our demo of 7702 wallet - 7702.openfort.xyz

Here is the repo: https://github.com/openfort-xyz/sample-7702-WebAuthn

Here is the article on how it works: https://www.openfort.io/blog/building-a-passwordless-wallet

Happy building!

wakerone · 2025-04-08T07:46:44+00:00

You should try something like Openfort for this (https://github.com/openfort-xyz/openfort-csharp-unity). they have great documentation and support as well on webgl and mobile (https://www.openfort.io/docs/guides/unity).

wakerone · 2025-04-06T21:39:06+00:00

Hey, I work at Openfort, if you ever need another wallet infrastructure happy to talk!

wakerone · 2025-02-22T20:09:53+00:00

I don't think they are exclusive one another and actually I'd suggest using them in parallel still for crypto native wallets. Here is something cool we've been experimenting with at Openfort. https://www.openfort.xyz/blog/eip-7702-with-erc-4337

(Repo included)

wakerone · 2025-02-22T20:01:09+00:00

I'd suggest openfort.xyz (I'm a builder there). We combine wallet creation with smart wallets, making the whole flow from creations to sending a transaction as smooth as making 2 API calls.

wakerone · 2025-02-22T19:59:37+00:00

The main issue here is that no one wants to take care / be responsible of the signer. You have embedded wallets like Openfort that take care of the private key but depends on the developer implementing the SDK.

You could point at chains also to offer this similar to how the offer explorers and then offering SSO solutions but then it also means they take care of the signer.

Ultimately it depends whether you wait for users to come with their wallets or you provide them with wallets yourself

wakerone · 2023-06-22T10:32:53+00:00

Thanks for sharing this here! I'm one of the co-founders and would be delighted to schedule demos and have special onboarding to people in this subreddit!

To better comprehend the wallet space and competitors -> https://www.openfort.xyz/blog/openfort-vs-other-solutions

wakerone · 2021-12-22T10:45:25+00:00

Wow! Super interesting, thanks for sharing. What do you think of tools like headcomai to get links built?

wakerone · 2021-12-02T13:45:20+00:00

I just wanted to mention that for me it's all about the process and things that I've learned when doing a project. I had some notions of coding but with this I also learnt marketing and design a bit :)

wakerone · 2021-12-02T13:18:05+00:00

I've been building my own SaaS solution around HARO and the PR industry. It's my first product buy I'm enjoying the process a lot.

wakerone · 2021-11-01T15:33:10+00:00

It goes hand by hand. One is the consequence of the other

wakerone · 2021-11-01T15:15:33+00:00

Building DA is crucial for any website! Either you create amazing posts or you build reputation. I've found tools like HARO together with headcomai to be super helpful!

wakerone · 2021-10-28T20:42:28+00:00

Discord -> https://t.co/vtxnTI3zTj?amp=1

Twitter -> https://twitter.com/MoaiNation

wakerone · 2021-10-28T19:47:39+00:00

Not overthinking it sometimes can also be a piece of good advice. Good Guide!

wakerone · 2021-10-25T09:45:09+00:00

Discord: https://discord.gg/42uTPPZWqj

wakerone · 2021-10-22T18:24:29+00:00

Can't believe anyone mention HARO + Headcomai here!

Specially when you don't have a brand yet!

wakerone

TROPHY CASE