Today's @_TalkingTokens with @0xPolygon Labs CEO @0xMarcB explains how its blockchain is evolving with payments in mind. He shares how its Open Money Stack plans to bring together blockchains, fintechs, banks and more through one API. We also discuss stablecoin timelines, FX growth and why some of its adoption may take longer than people think. TIMESTAMPS: (00:00) – Intro (01:17) – Why payments are finally having its moment (02:24) – Banking networks and their unanswered questions (03:40) – Stablecoins providing certainty on fees, arrival time and transaction visibility (04:05) – How banks view stablecoins as risk vs opportunity (05:20) – Timeline for bank adoption: JPMorgan's Kinexys and chains in 2026 (06:39) – Stablecoins growing beyond trading to cross-border payments and dollar access (07:42) – Why Venmo still beats USDC for domestic payments (08:28) – What's driving stablecoin growth from $300 billion market cap (10:01) – Whether stablecoins replace traditional rails or just upgrade infrastructure underneath (11:19) – Users will know they're using stablecoins for the next 3 to 5 years (12:14) – When stablecoins become ubiquitous with national currencies (13:15) – Polygon's shift from a general purpose chain to payments specialization (15:06) – Blockspace commoditization and why differentiation matters (16:24) – Doubling down on payments through simplified integrations (17:05) – How the Open Money Stack solves the 5 to 10 vendor problem (18:30) – One API for on-ramps and off-ramps, wallets, chains and interoperability (19:07) – Making payments fade into the background and eliminating cross-border friction (20:11) – Keeping money onchain instead of continuous on- ramp and off- ramp cycles (21:16) – Creating an onchain world with DeFi, tokenized bonds and ZK identity (22:03) – What's available today: Morpho, Franklin Templeton and merchant acceptance (23:24) – Enterprises keeping 1 to 3% of capital onchain and that increasing over time (25:05) – Why 2026 is the year enterprises implement stablecoin strategies at scale...