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Crypto's Next Leap: 'Money as an App Platform' is Here
5 Dec, 2025
Summary
- Circle CEO envisions cryptocurrency as a new economic operating system.
- Stablecoins like USDC offer faster, cheaper global money transfers.
- The transition to a digital financial system is expected within 5-10 years.
Circle cofounder and CEO Jeremy Allaire anticipates a transformative era for the global economy, with cryptocurrency at its core. He posits that blockchain technology represents a new 'economic OS,' akin to the web or mobile operating systems, that will underpin future financial systems. Circle is developing Arc, an "economic OS for the internet," designed to be a neutral platform for blockchain innovations.
Stablecoins, such as Circle's USDC, are highlighted as a superior method for international money transfers, offering speed and cost-efficiency, especially in regions with volatile local currencies. While USDC is pegged to the US dollar and ensures stability, Allaire views it as a foundational element for broader digital economic advancements.
The ultimate vision is "money as an app platform," a concept expected to foster a new, purely digital economy. This transition, according to Allaire, is not a distant prospect but a significant development anticipated to unfold over the next five to ten years, reshaping the internet's financial landscape.
