The biggest opportunity in fintech today is using stablecoin virtual accounts + cards to run the Ramp playbook globally Ramp is valued at 32B and their entire business is US-based – a market where (1) dollars are the local currency and (2) most businesses already have some expense management software Outside of the US, there is a massive delta between demand and penetration of dollar business banking wrapped in software (expense management, AP/AR, ERP) It will be obvious in 5+ years that the killer use case for stablecoins was closing this delta at a speed and scale that wasn't possible before Most importantly, these platforms make for exceptional businesses Owning spend at the card layer is by far the most valuable layer of the stack as you clip interchange on every dollar spent. And once you're embedded into finance workflows, switching costs are incredibly high