Uploaded September 2025 | Updated September 2026, 3 days ago
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
If you enjoy this episode, please subscribe to stay updated on our upcoming episodes with industry experts and innovators in the Web3 and Entrepreneurship spaces. Thank you for listening!
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
If you enjoy this episode, please subscribe to stay updated on our upcoming episodes with industry experts and innovators in the Web3 and Entrepreneurship spaces. Thank you for listening!
