In this episode, I speak with Marcos from Parfin/Rayls, live at Devconnect Buenos Aires, where their new finance-focused L1 is already seeing explosive use: 30K wallets in 24 hours, 3M+ transactions, and 800K addresses on testnet.

We discuss how stablecoins are shifting from crypto-native tools to bank-issued, institution-grade payment rails, why Brazil now has several sovereign stablecoins, and why U.S. banks may soon launch their own. Marcos breaks down real institutional adoption—credit receivables, real estate tokenization, commodity payments, and bank integrations—and what it takes to build a chain designed specifically for financial infrastructure.

He also shares Rails’ TGE plans, their biggest challenges, and why 2026 could be the breakout year for regulated crypto adoption.

Key Timestamps

[00:00] Testnet Surge — 30K wallets in 24 hours, 3M+ txns, 800K addresses.

[00:02] Hackathon & Devconnect Insights — real use cases emerging.

[00:04] Institutional Adoption — banks warming up after regulatory clarity.

[00:06] Stablecoins in Brazil — multiple BRL coins, cross-currency swaps.

[00:08] Real-World Payments — stablecoins in commodity trading, FX, settlements.

[00:10] Rails’ Customers — Brazil’s largest FMI, credit card acquirer, real estate tokenization.

[00:11] Why TGE Now — fundamentals, utility, timing.

[00:13] What Marcos Would Do Differently — build faster without sacrificing safety.

[00:14] Stablecoin Reality — why stablecoins are becoming the settlement layer.

[00:16] Global Stablecoin Future — fragmentation into hundreds of fiat-native coins.

[00:18] Challenges & Asks — finish TGE, onboard banks, grow community.

Connect

https://parfin.io/

https://parfin.io/en/rayls

https://www.linkedin.com/company/parfin/

https://www.linkedin.com/in/marcosviriato/

https://x.com/parfin_io

https://x.com/mcvviriato

Disclaimer

Nothing mentioned in this podcast is investment advice and please do your own research.

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