Patrick, the problems you describe (speed, cost, cross-border friction) already have solutions. SEPA Instant, FedNow, PIX, and providers like Wise move money in seconds, at negligible cost, inside regulated systems. Tempo doesn’t solve payments; it sidesteps oversight.

By shifting flows onto a private stablecoin ledger, Stripe isn’t fixing inefficiency; it’s making it easier to route money in ways regulators and tax authorities can’t easily monitor. That’s not innovation, it’s the oldest trick in the crypto playbook: pretend you’re improving payments, when what you’re really selling is a way around the rules.

did you write your comment?