Why It Matters
Understanding the infrastructure behind crypto on‑ramps and the rise of stablecoins is crucial for developers, businesses, and investors looking to tap into fast, cross‑border financial flows. As regulation solidifies and user experience improves, these tools are poised to become mainstream, reshaping payments, remittances, and broader financial services worldwide.
Key Takeaways
- •Transact offers single API fiat-to-crypto on-ramp for global markets.
- •Secured U.S. state money transmitter licenses expand stablecoin access.
- •Stablecoins act as infrastructure, enabling low-cost, fast cross-border payments.
- •Developers value speed, reliability, and regulatory compliance over ideology.
- •Stablecoin volume now 30‑40%, expected to exceed 50% soon.
Pulse Analysis
Transact positions itself as a turnkey fiat‑to‑crypto on‑ramp, delivering a single API that connects developers to global payment rails, stablecoins, and digital assets. With roughly 450 crypto platforms and wallets already integrated, the company abstracts banking, credit‑card processing, and compliance layers into a regulatory‑friendly service. Recent acquisition of money‑transmitter licenses in six U.S. states broadens its reach, allowing seamless stablecoin access for consumers across the country while maintaining a robust compliance moat that differentiates it from ad‑hoc solutions.
The conversation highlighted stablecoins as foundational infrastructure rather than a consumer‑facing product. For builders, the appeal lies in speed, reliability, and near‑zero transaction fees compared with traditional banking. Use cases span cheap cross‑border remittances, B2B trade finance, and payroll for freelancers, where stablecoins cut settlement times from days to minutes and eliminate interchange fees. Andy noted that stablecoin volume now represents 30‑40% of Transact’s throughput, a share he expects to surpass 50% as more enterprises adopt the technology for predictable, low‑cost payments.
Regulatory dynamics also shape the market. The pending U.S. crypto bill, which addresses stablecoin yield and licensing, could level the playing field between crypto firms and legacy banks. Werner argued that regulated, trustworthy providers should be allowed to offer yield‑bearing stablecoin products, fostering competition and better returns for consumers. As blockchain services become increasingly mainstream, companies that simplify compliance, KYC, and API integration—like Transact—will likely become the default layer for future financial products, accelerating the migration of global money onto decentralized networks.
Episode Description
Andy Werner is VP of Partnerships and Strategy at Transak, one of the world's leading fiat-to-crypto on-ramp providers. Werner shares his journey through fintech — from big banks to startups — and explains how Transak is building the compliance and payments infrastructure that quietly powers hundreds of crypto platforms globally. While the company operates in what he jokingly calls the "boring" side of crypto, Werner argues that boring is exactly what payments infrastructure should be: seamless, reliable, and invisible to the end user.
Why you should listen
The conversation dives deep into the evolving role of stablecoins, which Werner frames not as ideological crypto instruments but as practical tools for builders. For developers and businesses, stablecoins function like programmable payment rails — enabling instant settlement, global reach, and lower costs through a single integration. He points to the past 18–24 months as a turning point, driven by clearer regulation in the U.S. and frameworks like MiCA in Europe. This regulatory momentum, combined with improving UX abstraction around wallets and compliance, is accelerating enterprise adoption and opening new product categories.
Werner also reflects on stablecoin usage through the lens of his Argentine roots, where inflation and currency instability make the value proposition immediately obvious. In markets across Latin America, Africa, and parts of Asia, dollar-backed stablecoins act as a digital escape hatch — giving consumers access to dollar savings, payments, and yield via nothing more than a smartphone. From remittances to trade finance and cross-border payroll, these real-world use cases are driving rapid growth. Transak is already seeing 30–40% of its volume in stablecoins, a figure Werner expects to exceed 50% — possibly 75% — within a year as adoption shifts from speculative crypto assets to everyday financial flows.
The discussion closes on regulation and the future of financial services. Werner is strongly in favor of pending U.S. stablecoin legislation, particularly provisions that would allow issuers to pass yield to users — arguing competition with banks ultimately benefits consumers. Looking ahead, his conviction is clear: all financial services will migrate on-chain. His hot takes? He's 90% Bitcoin maximalist, believes everything will eventually run on blockchain rails, and expects AI — still under-adopted today — to unleash massive productivity gains. His sci-fi pick to wrap it all up: Foundation by Isaac Asimov — a fitting nod to long-range technological inevitability.
Supporting links
Stabull Finance
Transak
Andy on Twitter
Brave New Coin on Twitter
Brave New Coin
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