Roy Yuan

🚀 Stablecoins + QR Payments = A New Era for Vietnam 🇻🇳 The payments world is shifting—from cash and cards to borderless digital dollars. Stablecoins like USDT and USDC are no longer just tools for traders. They’re becoming the fastest, cheapest, and most inclusive way to pay for anything, anywhere. 💡 The numbers: • The global stablecoin market is worth $230B+ today—and growing fast. • Stablecoins offer instant settlement, low fees, and 24/7 global reach. • For the 1.4 billion people without reliable banking access, all you need is a smartphone to connect to the global economy. ⸻ Why Vietnam? Vietnam is one of the fastest-growing digital economies in Southeast Asia. 📊 Key facts: • Mobile payment volume: $226B in 2022, projected to reach $475B by 2025. • The government is actively pushing for a cashless society. • QR code payments are everywhere—700,000+ merchants accept them nationwide. This is a market primed for innovation. ⸻ What We Built at PEXX At PEXX we’ve become the first stablecoin bank to enable QR code payments in Vietnam. Here’s how it works: 1️⃣ Scan any VietQR code. 2️⃣ We automatically detect the merchant via the banking network. 3️⃣ Your USDT or USDC is instantly converted to VND. 4️⃣ Payment is completed—all in under 60 seconds. ⸻ Why This Changes Everything ✅ Tourists can spend stablecoins directly at local shops. ✅ Merchants receive instant VND settlement—no currency exchange hassles. ✅ Cross-border remittance becomes as simple as buying coffee. With 700k+ QR merchants now within reach, stablecoins aren’t just digital assets—they’re everyday money. ⸻ Vietnam’s fintech scene is booming, with global events like Blockchain Week and World Financial Innovation Series showcasing the country’s potential. By combining stablecoin technology with existing payment rails, we’re not just keeping up with the future—we’re helping define it. ⸻ 💬 If you’re in fintech, payments, or blockchain, I’d love to hear your thoughts: • How will stablecoins reshape emerging markets? • What other countries are ready for a leap like this? #PEXX #StablecoinBank #Stablecoins #Fintech #Vietnam #DigitalPayments #FutureOfPayments #Inclusion #Innovation #Web3 #Blockchain

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GLDB was honoured to be the very first speaker at the Monetary Authority of Singapore (MAS) PathFin.ai’s inaugural community sharing. Our Chief Technology Officer, Patrick Sze, spoke on the practicalities of deploying AI in banking — from local LLM deployment to evaluating AI tools for fit and scalability. Through real-world case studies, he demonstrated how banks can achieve measurable improvements in release cycles, code quality, and developer productivity, all while upholding the industry’s rigorous standards.

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I thoroughly enjoyed moderating the panel on the Future of Crypto-Economics at the Nanyang Blockchain Conference organized by NTU CCTF In 2025, we’ve witnessed a global shift in crypto regulation, with notable developments such as the GENIUS Act in the U.S., Hong Kong’s new stablecoin licensing regime, and Singapore’s maturing frameworks. The crypto-economy has transcended its fringe status and is now becoming a regulated and institutionalized part of the financial system. I was eager to understand the perspectives of our panel members on this transformation and its potential impact on the industry and academia. Here are some key takeaways from the panel: - There will be a clash between traditional finance and the decentralized finance (DeFi) community. DeFi users will need to adapt to the evolving regulatory landscape, while traditional finance institutions will need to embrace a more inclusive mindset. - More funds will flow into the crypto industry, with a significant portion likely to be allocated to regulated projects. However, smaller, innovative projects can also benefit from this influx of capital. - Academic research in this field needs to become truly interdisciplinary to effectively navigate the rapidly changing landscape. Single-discipline research is no longer sufficient to address the complexities of the emerging sector. - Further research is essential to fully comprehend the risks and challenges associated with the crypto industry. This research will be crucial in ensuring economic stability as we move forward.

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