In a recent podcast episode, industry leaders Ben Nadareski of Solstice and Jovan Tisma of BonkX pointed out that stablecoins are expected to become the mainstream settlement layer within ten years. They predict that this shift will compress traditional banks' profit margins while unlocking decentralized finance (DeFi) access for retail users. The two founders emphasized that with the institutionalization of cryptocurrencies, the principle of permissionless access must be maintained, and they asserted that mainstream applications will be driven by lifestyle-centered payment methods rather than speculation.