Coinflow and CMT Digital on Where Stablecoins Actually Work Today

Money at internet speed

Lev says Coinflow's mission has not changed since day one: "to make money move with the speed of the Internet, which is instantly." When a business accepts funds from a user, he says, it gets the money in five seconds or less. Hallene contrasts final settlement in under five seconds with 20 minutes through traditional banking.

Lev describes Coinflow as the category leader in moving money between stablecoins and traditional rails. He says it is building a "network of networks" by adding corridors, payment methods and payout methods. Merchants who do not care about stablecoins themselves can settle in its own coin, CFUSD, and the ION Protocol provides instant liquidity for swaps into other stablecoins.

Corridors beyond the dollar

Lev says demand exists in Euro, a little in GBP, and in Mexico because of remittances, but US dollar stablecoins are "by far number one." He says regulation such as MiCA is pushing European businesses to hold euro stablecoins.

Agents and alliances

Coinflow has joined the Agentic Payments Alliance with Rain, and Lev says it also worked with Tempo on agentic payments. Hallene predicts agentic payments "are gonna be absolutely massive" because stablecoins are the only rail that matches the speed of agents. He says two agents negotiating and paying in stablecoins could cut RFP timelines by 90%.

Loyalty and the GENIUS Act

Hallene says the GENIUS Act rules are targeted for a January 2027 implementation, which would let big businesses issue stablecoins compliantly. He expects the next generation of loyalty programs to look like stablecoins, for example Amazon issuing one and offering discount tiers to customers who hold dollars in it. Lev is skeptical and asks what problem such features solve. He argues that combining many stablecoin features moves the needle more than any single one.