Description

Business finance is undergoing a major shift. For years, companies have relied on fragmented tools, manual processes, slow settlement, unpredictable costs, and financial infrastructure that still feels disconnected from the speed of modern tech.

As blockchain, stablecoins, tokenization, and AI continue to evolve, finance is moving toward a more automated, transparent, and programmable market structure.

In this episode of Untangling Web3, Pierre Person, CEO and Co-Founder of Usual Labs and Fira Money, explores the future of finance through the lens of regulation, DeFi, stablecoins, tokenized markets, and on-chain financial infrastructure.

Drawing on his experience as a former French MP involved in crypto policy and now as a founder building financial products, Pierre explains why traditional finance and decentralized finance are starting to converge — and why the next generation of financial markets will likely be built on blockchain rails.

Key Points Discussed:

• Stablecoins as the Foundation of Future Finance: Stablecoins are becoming core infrastructure for global finance, not just crypto trading tools. Pierre explains why stablecoin issuers need to move beyond the traditional model of privatizing collateral yield, and how Usual is building a more transparent system where users can access ownership, governance, and value generated by real-world assets such as T-bills and money market funds.
• Tokenization, DeFi, and the Convergence of Markets: On-chain finance is not about reinventing every financial product — it is about rebuilding market infrastructure with automation, liquidity, transparency, and lower costs. Fixed-rate lending, tokenized assets, on-chain settlement, and institutional capital moving into blockchain markets point toward a future where traditional finance and DeFi increasingly merge.
• Regulation, Privacy, and AI in Financial Infrastructure: Regulation must protect markets without freezing innovation, especially in a global technology like crypto. Pierre argues that finance needs better alignment across jurisdictions, stronger privacy protections, and practical AI tools that help users understand markets, manage savings, and access financial knowledge that was previously limited to institutions.

The future of finance is likely to be more open, automated, and on-chain. Stablecoins are emerging as the liquidity layer, tokenization is bringing real-world assets into programmable markets, and DeFi infrastructure is creating new ways to lend, borrow, settle, and manage capital.

As traditional financial institutions move closer to blockchain infrastructure, the key question is no longer whether finance will adopt crypto rails, but how quickly markets, regulators, and users will adapt. The long-term opportunity is a financial system where capital moves faster, assets are more transparent, and access to modern financial tools is no longer limited by geography, legacy systems, or institutional gatekeepers.

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Untangling Web3 is brought to you by hosts Jack Davies and Alec Burns, with music by Daniel Paigge. Got a question or topic suggestion? Send us an email at theuntanglingweb3podcast@gmail.com.

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The views we express here are our own, and do not represent the views of our employers. Nothing discussed or stated in the show should be considered advice.