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Adapt or Fail: Why TradFi Must Treat Stablecoins as Infrastructure, Not Competition

By bitcoin.com
Mar 20, 2026
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The Vulnerability of the ‘Lock-and-Mint’ Model

While these third-party bridges addressed a genuine market need, they arrived with severe architectural flaws. According to Przemek Kowalczyk, co-founder and CEO of Ramp Network, the problem wasn’t the intention behind these tools, but the inherent risk in their design.

“That removes several of the trust assumptions that made many early bridges fragile,” Kowalczyk explains. By settling directly into the native asset of the destination network, the need for “wrapped” tokens—and the centralized risks associated with them—is eliminated.

The Rise of the AI Agent: From Theory to Infrastructure

Kowalczyk notes that agent frameworks like Openclaw are moving from experimental tools into broader integration. This transition signals a shift from theory to infrastructure, where execution becomes continuous and data-driven.

“Once someone experiences value moving at any hour and clearing in minutes, slower alternatives feel broken,” Kowalczyk observes.

Abstraction and the ‘Invisible’ User Experience

Kowalczyk envisions a future where the user simply defines a desired outcome.

The challenge is designing the proper guardrails—permissioning, rate limits, and transparent execution logic. “The technology itself is neutral,” Kowalczyk emphasizes. “What matters is how carefully it gets implemented.”

FAQ What are decentralized finance ( DeFi) bridges? DeFi bridges are digital conduits that facilitate the movement of assets across different blockchain networks. Why are third-party bridges considered risky? They often rely on a small number of validators, creating large attack surfaces that can lead to significant losses. What are native swaps in DeFi? Native swaps allow users to exchange assets directly across chains without relying on synthetic representations. How are stablecoins changing traditional finance? Stablecoins streamline cross-border transactions, reducing costs and settlement times for businesses globally.
Disclaimer: The information on this page may have been obtained from third parties and does not necessarily reflect the views or opinions of BitKan. This content is provided for general informational purposes only, without any representation or warranty of any kind, nor shall it be construed as financial or investment advice. BitKan shall not be liable for any errors or omissions, or for any outcomes resulting from the use of this information. Investments in digital assets can be risky. Please carefully evaluate the risks of a product and your risk tolerance based on your own financial circumstances. Products mentioned in this article may not be available in your region.

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