According to @LexSokolin on X on Nov 9, 2025, fintech pitch decks are centering on launching a stablecoin, applying stablecoins to payment rails, loyalty points, rewards programs, and gift cards (source: @LexSokolin). According to @LexSokolin on X on Nov 9, 2025, this indicates a sector pivot from embedded finance toward stablecoin-first infrastructure across core fintech products (source: @LexSokolin). According to @LexSokolin on X on Nov 9, 2025, the immediate builder narrative is stablecoin utility, signaling where near-term market attention in fintech is concentrating (source: @LexSokolin).

According to @LexSokolin, stablecoins are positioned to replace embedded finance because they enable real-time settlement, 24/7 operations, no legacy tech debt, programmable money, and global-by-default reach, as stated by the source. According to @LexSokolin, traditional banks, fintechs, and big tech are already betting on this shift, indicating that market adoption is underway per the source. According to @LexSokolin, these features point to trading and payments rails favoring stablecoin settlement over legacy integrations, as framed by the source.