Stripe: Most Blockchains Aren’t Ready for Payments — Stablecoins Already Are
Stripe asserts that most current blockchains lack the necessary speed and reliability for payments, but stablecoins are already enabling global commerce.Summary
Stripe's 2025 annual letter, authored by co-founders Patrick and John Collison, argues that most existing blockchains are optimized for trading and DeFi, failing to prioritize crucial payment attributes like throughput, cost predictability, and reliability. Consequently, these chains struggle to meet enterprise payment system demands. In contrast, stablecoins are proving their utility, with payment volume doubling to $400 billion in 2025, largely for B2B use, because their borderless nature allows fintechs to establish infrastructure globally without traditional licensing hurdles. To bridge this gap, Stripe is developing Tempo, a payments-focused blockchain designed for sub-second finality and dedicated enterprise lanes to ensure predictable, high-scale operations. Stripe concludes that while stablecoins provide the necessary programmable foundation, specialized infrastructure like Tempo is required to fully support the real economy's payment needs.
(Source：CCN)