Jack Tang

A stablecoin transfer can confirm in minutes. If your supplier is still waiting for funds they can use, your order can still be held up. I wrote for The Integrator about what it takes to make cross-border payments reliable. integratormedia.com/2026/11/…

Last week’s Binance breach affected ~$6.34B in digital assets. ~$2.85B was frozen or intercepted within days. Freezes work. But when one hits a legitimate payment, the transaction is final onchain and the business deal isn’t. Who’s accountable then? I spoke to @TechBullion 👇 techbullion.com/jack-tang-on…

The stablecoin itself isn’t the bottleneck. The infrastructure around it is.” Spoke to @khaleejtimes about why UAE businesses are moving to stablecoin payments, and the metric I watch: the share of spending funded by stablecoins rather than volatile assets. When that grows, it’s a payments story, not a trading story 👇 khaleejtimes.com/business/ua…

Stablecoins have processed $8.82T this year. Only ~$390B circulates in real-world use. The highway is built. What's missing is someone accountable at the checkpoints: chargebacks, disputes, payments stuck in limbo. Wrote about it for @Finextra 👇 finextra.com/blogposting/332…

All roads lead to energy… ⚡️

We're living in such phenomenal times, in just a few days we've seen flying cars to deploying mini power station at home. What's next! Bookmark this, @fuseenergy will be the next decacorn coming out of UK. Giga-long...

Yesterday I joined @RaghdaIbraheem on FINTECH.TV's From Wall Street to MENA segment, to talk about why stablecoins are becoming a better highway for moving money. The shift is already visible. Stablecoin payments are now estimated at more than $400bn annually, with SME payments emerging as one of the strongest use cases. For businesses, this is about moving money faster, settling 24/7 and removing some of the cost and friction that still comes with cross-border payments. But better rails only matter if businesses can actually use them. At @boom_fi, our job is to make the infrastructure accessible without businesses having to build the stablecoin payments stack themselves. I also shared my observations from the ground on where the sector is heading and why the UAE is such an interesting market for this shift. If you’re thinking about where stablecoins fit into the future of payments, this is worth a watch: terminal.fintech.tv/fintecht… #Stablecoins #Payments @FINTECHTVglobal

$184 billion. That’s how much USDT is currently in circulation. Over the past month, its supply grew by just 0.3%. Its transfer volume, however, increased by more than 32%. USDC is showing us something different. Its supply grew around 3.5% to $75.4 billion, transaction counts jumped almost 48%, and active addresses rose 34%. But the total value transferred fell by roughly 26%. That split is more interesting than another stablecoin market-cap record. USDC is being used by more people, more often, but for smaller amounts. USDT’s supply is barely growing, yet the liquidity already in circulation is moving in much larger volumes. Here’s the part that matters to me. Visa now has more than 160 stablecoin-linked card programmes, with payment volume up nearly 200% year-on-year and stablecoin settlement running above $20 billion annually. Circle is also planning to acquire Tazapay, where around 60% of its $25 billion-plus annual payment volume already involves stablecoins. The shift is easy to miss. Stablecoin growth is becoming less about how many new tokens are issued and more about what people and businesses are actually doing with the ones already there. The BRICS push to connect domestic payment systems and settle more trade in local currencies makes this even more interesting. Those systems are still fragmented. The businesses caught between them still need a way to move money across borders without rebuilding their entire payment infrastructure. Stablecoins already sit in that gap. The next test isn’t whether supply reaches another record. It’s whether an SME can send or receive an international payment on a Tuesday afternoon, and nobody involved needs to think about which rail moved the money.

Today we're proud to announce @boom_fi has been selected as the stablecoin infrastructure partner for @ZBX_com For weeks I've been saying the same thing here: most financial institutions won't build stablecoin infrastructure, they'll buy it. Here's what that looks like in practice. ZBX is a MiCA-licensed platform in Europe. Their clients kept asking for one thing: move beyond trading into payments. Let businesses accept stablecoins, hold them, pay out in them. Building that in-house is an 18 to 24 month job for a regulated firm. Wallets, liquidity, screening, Travel Rule, settlement, banking rails. Six separate problems before a single payment moves. They did it in weeks. 11-weeks to be precise. Not because they cut corners, but because they didn't start from scratch. They already had a wallet provider, liquidity venues, banking rails. We didn't rip any of it out. We wired the missing pieces across what they already had. That's the part most people miss about this shift. It isn't rip-and-replace. It's orchestration. Keep what works, add what's missing, ship the product. ZBX can now put a full pay-in, store and pay-out product in front of merchants across Europe. The two-year version of that never happened, because two years was the difference between leading this market and watching it. The partnership is the boring part. What gets built on top of it is where this gets interesting. Excited for what lies ahead! blog.boomfi.xyz/zbx-partners…

I'm attending Money20/20 Middle East, 14-16 Sept in Riyadh, where the fintech global community comes together and conversations move forward. Fintech is moving fast and the focus stays clear: real business, real outcomes. Join me there. This Is Where It Starts.

$86. That's the average crypto card payment now. Last year it was $59. That small number is a bigger deal than any billion-dollar acquisition headline this month. It means people have stopped using stablecoins to move large sums around once in a while, and started using them to buy groceries, order food, and pay for travel. Crypto card spending tripled to over a billion dollars in July, and stablecoins funded 70% of it. Here's the part that matters to me. The growth isn't coming from New York or London. It's coming from emerging markets, where gross transaction value in lower-GDP regions jumped 600% in a year. The places where sending and spending money the old way is slowest and most expensive, these are exactly where this is taking off fastest. Did you notice it? The quiet shift. Stablecoins stopped being a trading tool and became a spending tool. The moment money becomes something you spend on a Tuesday afternoon, the whole game moves to the infrastructure that makes that spend feel normal. The headlines are still about who bought whom. The real story is a $27 lunch paid in stablecoins, and nobody thought twice about it.

Everyone wants to talk about the app, yet nobody wants to talk about the plumbing. I've spent years building stablecoin infrastructure, and this is what it taught me: the "boring" layer is where everything is actually decided. A bank in the UAE showed me this better than any deal announcement could. They spent months planning to build their own stablecoin stack: architecture, hiring plans, timelines. Then they stopped and came to us, not because they couldn't build it, but because by the time they would be finished, 18 to 24 months later, the market would have moved on without them. That's the thing most people miss. Building this is not one project, it's wallets, liquidity, screening, and so much more. There are separate vendors to procure, integrate and govern before a single payment moves. Every one of those will have their obstacles. A European client taught me the other half. Once MiCA landed, the stablecoin capability went from a nice-to-have to table stakes overnight. So when I see the headlines, the acquisitions, the pilots going live, I see the same quiet realisation happening everywhere, all at once: the value moved to the infrastructure, and the infrastructure is hard. The companies that win the next few years won't be the ones with the flashiest front end. They'll be the ones who got the plumbing correct while everyone else was fussing about the app.

Excited to be back again in the beautiful city of Amsterdam between 2-4th June. @boom_fi's second year sponsoring #Money2020EU! Meet us at RAI Amsterdam, stand 1C162. See you there! Money20/20