The OnChain Money Stack 💲 Everyone understands stablecoins. What most people don’t understand is the infrastructure that makes them meaningful the rails that connect offchain capital to onchain finance.

Every transaction starts with an entry point. On-ramps and off-ramps are how money crosses between two systems that speak different languages - fiat & crypto. Right now, most are still centralized: exchanges, payment APIs, fintech gateways. They work… but they depend on slow, legacy banking rails.

The endgame is onchain native conversion moving between fiat and stablecoins without touching traditional banks. Smart-contract settlement. Instant finality. Regulatory logic built into the rails themselves. That’s what Circle, Stripe, and Visa are already piloting with USDC.

Cross-border transfers are where the inefficiency shows. Each transaction hops through multiple correspondent banks, each adding delay, cost, and friction. Onchain, it’s one transaction. 24/7 movement. No intermediaries. Transparent, atomic settlement.