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.

⌛ Timestamps:

00:00 Episode trailer

00:50 Show & guest introduction

02:37 How his early life shaped his career

11:12 Lessons from his Web3 journey

14:16 The hobbies that help him stay balanced

16:09 Stables product demo

28:22 Stablecoin as a new yet potentially fragile innovation

32:40 Discussion about yield-bearing stablecoin

34:26 Stablecoin as a way to beat inflation in developing country

39:20 Explanation about Web2 credit cards and how it works

41:28 How Visa & Mastercard will accelerate the adoption of stablecoins

44:13 His company's traction

51:57 The people behind Stables

54:29 The challenges of running a startup

59:52 Bernie's prediction on the future of stablecoins

1:03:03 Advice for Web3 founders

1:06:02 Where to follow Bernie & Stables

1:07:10 Episode outro

Follow Bernie & Stables:

Bernie's Twitter/X: https://x.com/stablesbernie

Stables 's Twitter/X: https://x.com/stables_money

Stables 's Website: https://stables.money

Use our referral code "STABLES-7DVM62" when applying for a Stables card. By using this code when registering, you will get Stable Points to earn future rewards!

Our social media:

Crypto card guide: cryptocardguide.com

Twitter/X: x.com/ColorsofWeb3pod

LinkedIn: linkedin.com/company/colors-of-web3-entrepreneurship

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