a16z Crypto releases the Global Financial Stack Report, stablecoins are reshaping the financial system

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BlockBeats News, April 27 — a16z crypto released an analysis report titled “The New Stack of Global Finance: Stablecoins Edition.” The report notes that stablecoins have evolved from niche trading tools into essential financial pipelines, giving rise to a new “banking-as-a-service” model that is driving the rebuilding of the financial system. The report believes that the shift to on-chain finance has “passed the point of no return.”

The report divides blockchains into three categories: general-purpose chains (such as Solana, Ethereum, and L2), payment-dedicated chains (such as Stripe’s Tempo), and institutional networks (such as Canton). It also points out that bottlenecks in the banking industry are easing, and that a group of crypto-friendly banks are actively connecting on-chain infrastructure with traditional fiat systems. Competition in stablecoin issuance has shifted toward regulatory positioning, as issuers are racing to secure OCC national trust charters.

The report states that payments are the “first act,” and credit may be the more important “second act.” The large-scale issuance of stablecoins will create new on-chain credit markets, allowing capital to form outside the traditional banking system. The report also emphasizes that stablecoins not only strengthen the dominance of the US dollar, but also provide an avenue for dollar access for users in emerging markets.

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