Why is Multicoin Bullish on Stablecoins in the Era of FinTech 4.0?

Key Takeaways

• Stablecoins are turning financial services into always-on, global digital infrastructure.
• FinTech 4.0 shifts competition from exclusive access to better user experience and trust.
• As finance becomes more standardized, platforms win by being simpler, faster, and more reliable.

As crypto matures beyond speculation, one question is becoming increasingly important: what does the next generation of financial infrastructure actually look like?

Multicoin Capital believes the answer lies in FinTech 4.0 — a new phase where stablecoins are not just payment tools, but foundational building blocks for global financial services. In this view, stablecoins quietly power a structural shift in finance, similar to how cloud computing transformed software.

This article breaks down Multicoin’s thesis in a beginner-friendly way, explaining how FinTech evolved from versions 1.0 to 4.0, why stablecoins sit at the center of this shift, and what it means for everyday crypto users.

From FinTech 1.0 to 3.0: Better Interfaces, Same Financial Rails

To understand why FinTech 4.0 matters, it helps to briefly look at what came before.

FinTech 1.0 focused on digitization. Banks moved from paper-based systems to online portals. Transactions became faster, but the underlying financial rails remained unchanged.

FinTech 2.0 improved user experience. Mobile banking apps, neobanks, and digital wallets made finance more accessible. However, these products still relied on traditional banking infrastructure.

FinTech 3.0 introduced APIs and platform-based finance. Companies could embed payments, lending, and financial services into apps. While this expanded reach, money itself was still slow, fragmented, and heavily intermediated.

Across all three generations, one thing stayed the same:

Financial services improved, but money itself did not fundamentally change.

FinTech 4.0: When Money Becomes Programmable

According to Multicoin, FinTech 4.0 begins when money becomes software.

This is where stablecoins come in.Stablecoins are blockchain-based digital assets pegged to fiat currencies like the U.S. dollar. Unlike traditional bank balances, they are:

• Programmable
• Globally transferable
• Always online
• Settlement-final within minutesInstead of building financial products around slow legacy rails, developers can now build directly on top of stablecoins. This shift transforms stablecoins into a financial primitive, not just a payment method.

In FinTech 4.0, stablecoins act as the base layer for lending, trading, remittances, payroll, and onchain financial services.

Why Multicoin Is Bullish on Stablecoins

Multicoin's bullish outlook is grounded in one core idea: stablecoins commoditize financial services.When value can move instantly and globally at near-zero cost, many traditional financial advantages disappear. Settlement, custody, and reconciliation become simpler, cheaper, and more transparent.This leads to:

• Lower barriers to entry for new financial products
• Increased competition among service providers
• Faster innovation cyclesIn this model, the value shifts away from closed financial institutions toward open infrastructure and better user-facing tools.

Stablecoins and the Changing Nature of Financial Services

In traditional finance, many services are shaped by intermediaries, operating hours, and geographic boundaries. Moving money across borders or between institutions often involves delays, fees, and multiple layers of coordination.

Stablecoins change this by making value transfer faster and more consistent at the infrastructure level. Funds can move onchain at any time, settle within minutes, and remain accessible globally — regardless of banking hours or location.

As more financial activity runs on stablecoins, the focus gradually shifts away from how money moves toward what users can do with it. Payments, trading, and yield opportunities begin to rely on the same underlying digital rails, making these services easier to integrate, compare, and switch between.

Over time, this puts pressure on platforms to differentiate through user experience, reliability, and transparency — rather than through exclusive access to financial infrastructure.

Where Platforms Like Cwallet Fit In

As stablecoins power more financial activity, users need reliable ways to manage, move, and interact with them safely.

This is where platforms like Cwallet play a role.Cwallet provides a unified interface for holding, swapping, and trading digital assets across multiple blockchains, helping users participate in FinTech 4.0 without navigating complex onchain tools. As regulatory standards evolve, Cwallet continues working toward compliance frameworks such as MiCA, aiming to offer a transparent and regulation-aware environment for managing digital assets.

For beginners especially, using a platform that balances accessibility with compliance can reduce uncertainty while maintaining exposure to the growing stablecoin ecosystem.

What FinTech 4.0 Means for Everyday Crypto Users

FinTech 4.0 is not about replacing banks overnight. It’s about gradually changing how financial services are built and accessed.

For users, this means:

• Faster and cheaper transactions
• More global access to financial tools
• Greater transparency in how assets move and settleStablecoins quietly sit beneath these improvements, powering the infrastructure while remaining largely invisible to end users.

Final Thoughts

Multicoin’s FinTech 4.0 thesis reframes stablecoins not as a trend, but as core infrastructure. Just as cloud computing reshaped software without most users noticing, stablecoins may reshape finance in the background.As this transition unfolds, understanding how money itself is changing becomes increasingly important — not just for investors, but for anyone exploring the future of digital finance.

Cwallet: Your All-in-One Gateway to the Digital Economy

Cwallet is more than a crypto wallet, it is a complete ecosystem designed to make crypto trading accessible, intuitive, and rewarding. It transforms a wallet into your hub for securing assets and exploring market opportunities.Move beyond simple asset management. Cwallet lets you trade smarter with Spot Trading, including Swap, Memecoins, and xStocks, and Futures Trading such as Perpetual Trading, 1001X, Trend Trade, and Market Battle, all while keeping full control of your assets.Stay connected and share strategies instantly with your friends in Cwallet's built-in IM.

Cwallet also integrates essential crypto services, allowing you to store, swap, and earn from your digital assets. With tools like the Cozy Card, mobile top-ups, and gift cards, digital assets gain real-world utility.

Cwallet makes crypto not just a technology for the future, but a practical tool for today!

Official Link

Official Site: https://cwallet.com

Twitter: https://twitter.com/CwalletOfficial

Disclaimer

This content is strictly for informational and educational purposes only. It does not constitute financial, investment, legal, or tax advice, nor is it an offer or solicitation to buy, sell, or hold any digital asset. Crypto assets involve high volatility and risks, and their value can fluctuate greatly. Readers must be aware of and adhere to the relevant local laws and regulations concerning digital assets in their specific jurisdiction, as product availability may vary. All investment decisions must be based on your own research (DYOR) and risk assessment. Some content herein may be generated or assisted by artificial intelligence (AI) tools. The author and platform assume no liability for investment losses.