Who is on this subjectordered by the date of their first quote here
1 of 2 lane rests on fewer than 5 quotes and is marked thin. Offsets are days from the middle first-quote date, 14 Oct 2025 — a date, and nothing else. It is not a claim about who reached a view first.
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Bill Gurley
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14 Oct 2025 – 9 Jun 2026
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- John Williams 2 thin
The chronologysourced and dated, oldest first
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Bill Gurley
Gurley notes Coinbase offers 4% daily interest on stablecoin balances without deposit requirements.
“Here, whether it's $10 or or a million bucks, you know, you put it in stable coin with Coinbase and you start earning 4% daily.”
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Bill Gurley
Gurley contrasts US payment friction with instant settlement systems in Brazil, UK, China, and India.
“Your ACH takes three days to settle. Your wire costs $25 for domestic, $50 for international, and you have to fill out pages and pages exactly.”
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Bill Gurley
Gurley highlights Coinbase offering 4% daily interest on any stablecoin balance without deposit requirements.
“Here, whether it's $10 or or a million bucks, you know, you put it in stable coin with Coinbase and you start earning 4% daily.”
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Bill Gurley
Gurley says with crypto wallets you can send $25,000 in two seconds for two cents.
“And now if you have a wallet of any kind and I have a wallet of any kind, I can send you, you know, 25,000 US dollars in two seconds, and it'll cost me 2¢ to send it to”
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Bill Gurley
Gurley contrasts stablecoins' instant penny transfers with traditional credit cards' two-plus percent fees.
“If you have a Coinbase account, you can put your money in a USDC stablecoin and earn 4%. And within seconds immediately transfer money to someone else for pennies.”
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John Williams
Williams says stablecoins have moved from experiments to actual market use as financial assets are tokenized.
“Digital ledger technology is advancing, allowing financial assets—both money and securities—to be converted into digital tokens such as stablecoins, which are now being used in markets and not just tested in experiments.”
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John Williams
Williams reports banks say instant 24/7 payments and stablecoins could increase their demand for reserves.
“Respondents widely noted that movement toward instant 24/7 payments could increase their demand for reserves, and some also indicated that greater adoption of payment stablecoins could have similar implications.”
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