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Crypto

TradFi’s Massive Pivot: Which Blockchain did Visa, BlackRock & Stripe Choose? 🚀

20 min video4 key momentsWatch original
TL;DR

Major fintech firms—Visa, Stripe, PayPal, BlackRock, JP Morgan, Western Union—are all building on Solana for tokenized assets and real-time settlement, signaling institutional adoption of blockchain-based capital markets.

Key Insights

1

17% of Ethereum's valuationSolana processes 90% of all onchain tokenized stock trading volume but trades at only 17% of Ethereum's market cap—a massive valuation disconnect InvestAnswers says defies logic.

2

$2.5B weekly USDC mintingCircle is minting $2.5 billion per week of USDC stablecoin on Solana, up from $750 million three hours before the video, driven by clarity act prospects and institutional adoption.

3

Solana processes 40-millisecond finality and near-zero settlement costs, making it the technical winner for cross-border payments—why Western Union (operating in 200 countries with $150B annual volume) chose it.

4

Best setup in eight yearsMatt Hogan, Bitwise CIO, called this the best setup in crypto in eight years, citing institutional adoption and DeFi growth potential of 20x to 100x with a billion users incoming.

5

Cutting out 3% feesBitGet, Coinbase, and PayPal are rolling out tokenized stock access and stablecoin infrastructure on Solana, bypassing traditional 3% credit card fees for near-instant, near-free transactions.

Deep Dive

Solana's Metrics Scream Undervaluation

InvestAnswers opens by laying out a valuation paradox. Solana dominates on-chain revenue ($2.61 million in 24-hour fees versus Ethereum's $1.15 million) and commands 90% market share in tokenized stock trading, yet trades at just 17% of Ethereum's market cap. The host built a model years ago to calculate what Solana's price should be if it captured various percentages of Ethereum's value—70% gets you $360, half gets you $250. At current market cap ratios, those numbers look laughable. On DEX volume, Solana still leads, and Binance Smart Chain has even dethroned Ethereum. The host admits frustration with the irrationality but notes that in crypto, gravity may never work—you could die waiting for the correction.

TradFi Giants Are Choosing Solana for Internet Capital Markets

The core story: a wave of traditional finance and payments companies are selecting Solana as their blockchain infrastructure. Visa picked it for real-time stablecoin settlement and merchant transactions at scale. PayPal launched PYUSD on Solana for frictionless global digital payments. Stripe is powering recurring USDC payments on-chain with zero middlemen. Western Union—operating in 200 countries, handling $150 billion in annual volume—chose Solana for instant cross-border transfers using their new USDP stablecoin. Cash App (Square/XYZ) is bringing Solana access to 50 million users for investing and transfers. Coinbase is using it as a developer platform for institutional wallets and built a trading routing layer that reduced failed trades eightfold. The pattern is unmistakable: cut transaction costs from 3% to near-zero, reduce settlement time from days to seconds, and you win.

Institutional Validators: BlackRock, JP Morgan, and the $1.7B Money Market

Heavyweight institutions are now building on Solana, which the host frames as the final seal of legitimacy. BlackRock expanded its tokenized money market fund from Ethereum to Solana, growing AUM to $1.7 billion on the chain. JP Morgan, despite publicly dismissing crypto as a scam, launched a permissioned enterprise blockchain on Solana complete with its own token (USCP) for debt offerings and credit market tokenization. Ondo Finance operates a half-billion-dollar institutional real-world asset play on Solana with 200-plus tokenized stocks. This institutional pivot matters because it signals that major asset managers see tokenization not as hype but as infrastructure. When BlackRock writes checks and JP Morgan builds systems, venture and mid-market firms follow. The host calls this the inflection point.

Why Solana Won: Speed, Cost, and Network Effects

The host synthesizes why Solana keeps winning the platform race. First, 40-millisecond finality and near-zero gas costs solve the real problems TradFi faces: settlement delays and transaction overhead. Second, Solana's throughput (implied in the reference to billions of TPS capacity) means it can handle Visa-scale volume without congestion pricing or layer-two fragmentation. Third, the ecosystem is compounding—Circle minting $2.5 billion per week in USDC means liquidity begets liquidity, making it the path of least resistance for the next builder. The host cites Mulu's thesis that Solana will disrupt TradFi through 24/7/365 trading, instant settlement, and the elimination of intermediaries. Matt Hogan of Bitwise amplifies this: he's called the current setup the best in crypto in eight years, predicting DeFi could grow 20x to 100x with a billion users. The conclusion is simple: winner-takes-most dynamics favor the fastest, cheapest chain.

Takeaways

  • If you hold Solana, the next catalyst is the Clarity Act (55% passage probability according to Polymarket), which will rubber-stamp crypto regulation and likely trigger institutional inflows.
  • Watch stablecoin minting volume on Solana weekly—it's the earliest signal of TradFi adoption. Circle's $2.5B/week run rate shows the flywheel is real.
  • Tokenized stocks, real-world assets, and international remittances are the near-term use cases that will drive Solana volume, not speculation—this is infrastructure, not hype.

Key moments

0:47The core thesis emerges

Everything's going to be tokenized, everything's going to go onchain. But the question is, who's making what moves with what platform?

2:15Solana's valuation disconnect

Solana's trading at 17% of the ETH market cap, which makes no sense. But you know, in time, the cream will float to the top.

7:08Circle's weekly USDC minting explosion

Circle mint all their USDC on Solana. They did 750 million three hours ago, and they're doing about on average two and a half billion dollars a week.

18:08Matt Hogan's eight-year verdict

Matt Hogan says this is the best setup he's seen in crypto in eight years. The institutional adoption is undeniable.

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