Circle CPTO on why payment rails will shape what gets built in the agent era
srimisra · x · 2026-08-29
An interview with Nikhil Chandhok, CPTO of Circle (the company behind USDC), who previously shipped at YouTube, Google and Meta and now builds Arc as infrastructure for how money moves on the internet.
Key points: how people pay shapes the entire product experience — better payment models reshaped Android and ads ecosystems, and agent tech, wallets and nano payments will do the same again; USDC and Arc aim to follow the customer across chains; tokenization and on-chain credit favor smaller companies; stablecoins face a regulatory landscape where countries issue their own money.
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