Inside Stables: Bernie Bilotta on Building the “Stablecoin Bank” for the Real World

Episode notes

The banking rails we all use were built for the 1970s yet money now moves at internet speed. In this episode of Colors of Web3 & Entrepreneurship, Stables co-founder & CEO Bernie Bilotta explains how his team is building a mobile-first stablecoin bank that lets anyone hold a “digital dollar,” send it globally, and spend it at 140M+ merchants with a card while abstracting away chains, gas, and wallet complexity. He argues Visa/Mastercard won’t kill stablecoins they’ll accelerate them and predicts a future where QR-based, 24/7 payments pressure banks to modernize. Bernie walks through a live demo, shares traction, and discusses the rise of yield-bearing stablecoins and why a “one balance that goes up in real time” could unlock mass adoption. We also cover his fintech path, compliance headaches, competitors (Revolut/Wise), and founder lessons: play long-term games with long-term people.

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