# stablecoins — X 热门讨论 (2026-09-21 16:52 UTC)
## @WatcherGuru (Watcher.Guru) · 09-21 16:40 · ♥840 ↻113 💬84 JUST IN: Google $GOOGL and Apple $AAPL are hiring crypto experts as they expand into stablecoins, tokenization and blockchain payments. https://t.co/R2QmBF4yVt https://x.com/WatcherGuru/status/2102075461538877763
## @moonpay (MoonPay 🟣) · 09-21 16:28 · ♥96 ↻17 💬26 we heard AI agents love stablecoins…
@arc is now live on @PayBox! > 引用 @PayBox: Arc is now live on PayBox!
every ChatGPT, Claude, and Grok user can now trade and transact on @arc by chatting with their AI Agents https://t.co/uij37LJtEk https://x.com/moonpay/status/2102072468449927636
## @0xteo (Mateo) · 09-21 15:26 · ♥41 ↻5 💬13 Base awarded Basemate a $5k builder grant. 💙
We’re turning your phone number into a gateway to global finance w/ @basemateagent
- Send stocks to anyone, anywhere in the world with just a text. - Move stablecoins across borders and directly into a local bank account.
No app required.
The next financial network won’t live in a bank app.
It’ll live in your messages. Basemate is live in Beta on iMessage - +1 (628) 316-5638 https://x.com/0xteo/status/2102056807049081273
## @Tim_Sweeney_TAR (Timothy Sweeney) · 09-21 15:57 · ♥42 ↻2 💬5 $sofi
If you want an easy valuation metric to follow for Sofi, use the one I use as a test of valuation.
That's value per member. As I've said before, in a growth company whose revenue depends on customers, growth in customers is the key.
Base value is about $1,000 a member, fair value is about $2,000 a member and a buyout is somewhere between $2,500 to $3,000 a member.
Risks in deteriorating macro and higher interest rates are not necessarily as bad as one may think, assuming we get 3 or fewer hikes. Existing defaults won't spike that much (they didn't in 2008 in same credit cohorts).
You have some risk in trailing off LPB business demand, but there's plenty of demand within that rate environment. And Sofi has naturally been holding more loans on their balance sheet to offset costs of new businesses and they have the capital from the capital raises (that the markets initially didn't like but looks like a pretty stellar call at this point).
If rates go higher than 3 increases over the next 4 to 6 months, there will be some pressure to their newer fv marks but not as bad because when you hold as one may think because you're getting a higher overall return on the loans you hold on the balance sheet vs selling and you've already written off most of the older loans fair value marks over the term of those loans. So the quarter over quarter comparability won't be as drastic.
They have successfully navigated higher interest rates in the past, they now have eliminated all the hallmark problems of the SPAC, and they are still growing rapidly.
Their redemption of the 2026 convertible notes should dilute the dilution narrative
When stablecoins take hold, their tech platform will be more valuable, not necessarily to bigger banks who are trying to build their zelle like consortium, but to every other bank and fintech in the US and Latin America.
Now the only question is the progress they make on the new businesses.
My only suggestion is to ramp up and build more benefits into sofi plus and come out with a credit card product, even if secured by invest, that is a market leader in its overall dynamics. Something that says sofi is a premium offering. Premium is a goal for everyone.
At this point, it's just about execution https://x.com/Tim_Sweeney_TAR/status/2102064749274107990