The CEO of Stripe, Patrick Collison, said that Stablecoins is gaining adoption because they offer companies faster, cheaper and more reliable than traditional systems.
His comments arrived in a hacker news thread on September 5, 2025, one day after Stripe and Paradigm launched Tempo, a block chain specifically designed for Stablecoin payments.
In his first comment on Tempo’s announcement thread, Collison wrote that Strip had been “disappointed with the usefulness of Crypto payments for much of the last decade.” He said that the company’s opinion changed as more companies began using stablcoins for routine financial activity.
Collison pointed to Bridge, the Stablecoin Stipe Stripe infrastructure supplier acquired in October 2024. He said that Spacex uses it to manage money flows in the markets of difficult access, the Dolarapp of Latin American Fintech depends on it for banking services, and an Argentine bicycle importer uses the strip board to pay the suppliers.
“These companies are not using crypto because it is cryptography or for speculative benefit,” Collison wrote. “They are doing real world financial activity, and they have found that Crypto (Through Stablecoins) It’s easier, faster, better than status quo. “
When asked if people will eventually “pay with Tempo,” Collison said Blockchain intends to work behind the scene. He compared it to financial messaging systems such as Swift or ACH, noting that consumers may not interact directly with Tempo, but would benefit from their efficiency. He called “Decentralized, on the Internet scale” an imperfect but useful analogy.
In the answer to another question (On why companies consider that cryptographic payments are attractive)Collison described five reasons why companies prefer Stablcoins: almost instantaneous liquidation that reduces trapped liquidity, lower costs than card payments, greater reliability in cross -border transfers, less currency conversions and direct access to US dollars to US dollars.
He also rejected the idea that adoption is mainly regulatory arbitration. Collison said that Stablecoins is now explicitly regulated in the United States under Genius law and in Europe under Mica, and argued that his appeal lies in solving the friction of the high -volume money movement.
In Thursday’s announcement, Tempo was written as a block chain of “first payments” built from scratch for Stablecoins, combining Stripe global payments experience with the cryptographic research of Paradigm. Companies said they launched the network to provide infrastructure adapted to the real world payment needs as Stablecoins moves towards conventional use.
Tempo design emphasizes predictable low rates, optional privacy and the ability to pay transactions and gas costs in any stablecoin. It includes a payment lane dedicated with characteristics such as notes and access lists, and is compatible with EVM, which is executed in the RETH client. Stripe and Paradigm said the block chain is designed to process more than 100,000 transactions per second with sub-second purpose.
The network aims to support global payments and payroll, remittances, tokenized deposits they can solve throughout the day, integrated financial accounts, microtransactions and what companies call “agent payments.”
Stripes and paradigm also emphasized governance. They said that Tempo will work as a neutral platform for Stablecoins, secured by an independent and diverse validator set, with a road map towards a validation totally without permission.
The project was launched with an extensive list of design partners, which includes Visa, Standard Chartered, Deutsche Bank, Cloud, Revolution, Shopify, OpenAi, Anthrope, Coupang, Dordash, Lead Bank and Mercury.
