# Building Consumer Fintech on Stablecoin Rails — Alex Radu | Pulsar Money

- Channel: [ETH Belgrade Community](https://streameth.org/eth-belgrade-community)
- Date: 2026-10-06
- Duration: 16:22
- Topics: People & Blogs
- Watch: https://streameth.org/watch/yt-85CIRs0qRcA
- YouTube: https://www.youtube.com/watch?v=85CIRs0qRcA

## Transcript

I'm really glad to be here. Um, if Belgrad was was great. I I was really impressed to see so many people here. The energy here was was really awesome. So, it's it's my pleasure to be here and uh to present you Pulsar. Uh, we are building the consumer fintech app. Uh, we call it the money app that lives across borders because we are specifically targeting and optimizing the app for people that are getting uh uh currencies and like payroll from other countries. getting paid in multiple currencies or are living abroad and um simply want to have a seamless app in order to manage all of the financial life stack and yeah simply work well. Um so yeah, Pular money um is built on ARC. It's a strategic partnership that we have announced uh recently. It's supporting multiple other uh chains as well. We are building uh with a set of uh bank accounts in mind starting with dollar, pounds and euros and expanding to 30 other currencies as well further on and yeah um everything that we are building is around the concept of making things simple and intuitive for the users. Um we have a strong belief that we are right now going to have the second vintage revolution in the space. Back in the early days you were going to a bank, you were writing some checks or you were like uh yeah needing to like go physical or like have all of these kind of experiences like many years ago. Then the first fintech revolution completely changed the way you interact with a financial app by putting everything under an API, having a really nice user experience, having an app where you can like interact with all of these things and basically taking all of the rails from the banking space and putting them underneath an app. And right now, and this is also the title of the speaking slot, is like building a finte app on stable coin rails. Basically, the whole infrastructure underneath is changing. And we see a lot of really great apps in the space right now being built such as the one presented by Jorge right before me, Altitude and all of the other apps in the space that we are really excited to see uh so many cool apps right now building. We feel that this wave of consumer apps that are about to launch um are going to completely shape this industry. And yeah uh we are building pools are exactly on these premises and have multiple uh modules optimized for this global earners and people that are traveling earning and simply want to have a whole hub for their whole financial stack from cards earn product stable coin deposits support for multiple chains uh no clunky web three type of uh experiences paying for gas and all of this kind of uh why we are building on ARC and why we have this strategic partnership with uh with circle and why we have been aligned very well with this ecosystem is because we kind of have um identified that uh the stable coin rails have to have some particular features from privacy that is embedded and we are going to be launch partners for that feature on arc to stable FX which we are going to build our whole stable exchange uh module underneath that and be able to exchange currencies between each other uh at the much better rates that we have been used so far in the in the web to space and I think that's going to be quite a big game changer and we love what uh the ecosystem is about doing a lot of things on aentic finance uh we are going to be also launch partners on some of that features as well and uh yeah we are really excited everything you need uh your money to be in one app uh this is the concept why we have like put so much effort into the user experience, the design and all of these things to yeah it's a consumer app. It needs to be seamless. It needs to feel fun um have a lot of exciting things and modules like our rewards program to like some interesting gamification features but mostly the utility underneath should be like very simple. Not a lot of features, not a lot of kind of uh clunky things in regards to like web three from like paying for gas blockchains. You perhaps have seen the meme of like having USDC on so many chains and then you have like the same token but like $10 on a chain then like two cents on another chain then $3 on another chain and like having all of these things would be not that entity from somebody outside of us here in this room for the people from the uh web to world or like yeah our friends I think they might not get that uh easy and yeah we are building the app for um people uh living across currencies and borders from people that uh get paid in different currencies and they simply want to like get uh fiat from bank accounts to payment links to stable coins and be able to exchange at a very fair rate or actually not pay at all because we are introducing onetoone stable coin on. So whatever you deposit from any chain in stable coins in Pulsar is going to like head into the app for like zero fee uh into uh the Pulsar account that's going to make things simple to remittancies where we are uh working also some on some very interesting features like uh early salary. So basically when you are getting the salary paid in Pulsar, we are going to announce this very soon but we are working on some um early salary facilities and other type of things like this for uh the global earners. And one of the fe one of the things that we are like really really excited about and we were um really pumped to see this use cases in underserved markets is where people kind of cannot use the local rails. They are getting cards and they are cannot I was really shocked when I heard this a a few years ago. There are some underserved markets where you can get where you get a card but you cannot spend from their like local cards on like subscriptions like Spotify subscriptions, Apple subscriptions whatever their cards are not working in that markets or they go abroad and their cards are not working and we saw a lot of uh uh traction in these markets. We saw a lot of community events from the Pulsar community happening in Nigeria in the last weeks. That was like really exciting for us. And uh yeah, I think that's going to to be really fulfilling uh to launch these kind of features like the one that I was mentioning uh to simply like enable in some markets some things that for us are like basic are standards but in these markets like paying for subscriptions or like using the cards abroad are like not um not the default. And yeah, we are adding a lot of features like giving like US bank accounts to the people in European markets in African markets is going to be really really helpful including for people in Europe. Uh I' I've heard uh that like getting your salary from US might be even a pain when you kind of have just European bank accounts and you you need to go through swift or like different type of like fee structures and pulsar you can directly get your your uh your salary into your US bank account to paying for subscriptions and the pretty interesting thing is that we are offering all of this for free in the basic plan. So we offer free cards, free bank accounts, onetoone deposit on ramp and also um getting money into your virtual bank accounts for free while there are quite a few competitors in the market that are charging quite a bit for these things that we are offering in our standard plan. Bulsar is also built for stable coin earners. Um so yeah it's us here at the at the at battle. We are like really deep into the um web three stable coins um ecosystem. I like who has interact with a stable coin payment or like has received stable coin so far from from here. Yeah, everybody here in this room. So yeah, it's it's really important and it should be like simple. Um I love that Alitude was talking about this right before. So, Jorge was mentioning this that it's uh it's a similar concept to like not kind of worry about all [snorts] of the chains underneath and like building one account around which you're like building everything around this. I think this is like the the direction that's like really important for any consumer or anything they have to be developed in this direction. Uh one more thing from our side is that this is like fully non-custodial as well on on our side. So um it's uh we saw a lot of things and a lot of debates on on social in regards to this and this was like a very very core component for us in order for the account to be non-custodial. Whatever happens in on pulser side in the end the users own the funds and these are all connected to the fintech rails that we are putting next to it and yeah you can deposit funds from base you can withdraw funds on tron and all of these things and everything is like unified into one balance on pular that you can use you can actually also trade we are we've just announced perpetuals uh in pulsar in the partnership with extended and the ear modules that I will be telling uh in short about. But yeah, we want to build a financial ecosystem that is designed to be a seamless to get to be paid in dollars in your bank accounts in stables and to not worry at all about these things and just be able to use the cards globally. We are also using um multi settlement. So our our cards are are multiurrency cards. Um so that means that you are not going to pay FX for converting euros to dollars, dollars to euros at the point of sale where you are touching with the card because we are settling directly with Visa uh in both Euro C and USDC and we are working on expanding to other currencies such as pounds and uh and a few other currencies as well. And yeah, I I prepared a short not necessarily a demo uh myself or I'm going to play this, but uh we've recorded this from the app before and I want to show you a few flows in the app. Um that I think it's quite exciting. It's like looking very very sleek, simple. We are integrating multiple rails including Revolute, local rails in Pix in Brazil and other type of uh rails that are really important for our um for our users and communities in different regions. And yeah, it should be as simple as that. And as you've seen, you just in this example, we just deposited $100. And this is exactly what came in the app for a bank transfer. Same thing goes for uh for stable coin deposit. You get the same address for multiple chains and yeah, you deposit again $100 and this is what you got in the app. Uh and it's all happening quite fast. Um we are trying to make it instantaneously since like settlement is a lot faster with stable coins. Um especially also working during the weekend. Uh and yeah uh this is the send module where you can send things should be looking similar to a transfer uh or message. This is a bank transfer. This is a stable coin transfer to one address. You can put in the address or you can put a username on PRA. Uh it should be looking like very similar to uh a message. And we have been also working to launch this with uh zero fees. So you can send stables on any other chain with zero fees as well. Then uh we've announced recently the partnership with Morpho and stakehouse. Uh we are launching a similar product to like what um uh Robin Hood and Coinbase have also launched in their earn products with the same stack and same partners and we are really excited to work with these OGs in the space like Morpho and stakehouse and yeah we call it uh money with an earning mindset. uh we are going to have multiple vaults to the slide before that was referring to the earn product. So we are going to have multiple vaults with multiple currencies uh including um euros, dollars, RWA yields that we are going to announce very soon. And um I'm really excited about something that we're going to uh announce as well soon is basically announcing insurance on earn products in DeFi that I think is going to be quite a big differentiator when it comes to onboarding retail that are not that specifically used to um uh web three crypto defi risks and so on. So I think that's going to be an important uh GTM in order to on board people from from Europe or like that are used to like different type of like conventional um earn products while also having much higher yields while ourselves we are not keeping um the same um fee structures as the regular fintech and financial products. Yeah. uh the road map ahead um I think these days aentic uh payments agentic commerce is like really exciting I think we didn't find a fit in the market today we are not using agentic payments ourselves we saw a lot of initiatives over the last one year and and so on was like really really great but it didn't bring didn't go viral to the masses and for like us to be able to use this and we feel that this is happening because of the rails underneath So Visa tokenization, mastercard tokenization is not accepted just just yet at many shops around the world. So uh yeah the rails are not there. We are a bit early for this but uh this is part of our road map and we are going to actually announce just today later today we have this announcement planned for uh for our partnership with uh a US partner with uh with whom we are going to uh be working on our agentic commerce site. We call this oneclick purchasing. You just uh prompt your agent which lives across the whole app. Even the gamification, the cash back and so on is like built inside of the agent which is like quite fun and the oneclick uh purchasing is also living in the agent and you just basically prompt something and then you can order that thing from any Shopify template website and also Amazon. uh for the start. Uh yeah, we've we've been announcing over the past weeks uh quite a few uh important partners for us. I I was just mentioning before arc and circle as as some important partners. Yx uh which are also here at Balgrats and had some really great time and we are working with them for many months now are some really important partners. extended for perpetuals more for stakehouse for uh for the earn product. Uh Leafy team are like great uh we are going to power the swaps together and yeah we have quite a quite a few partners that we've been announcing over the the last weeks and still working on this on the over the next weeks to announce more partnerships and uh yeah I'm I'm really excited to say that uh Par is going live next month. Uh we've been testing with uh a bunch of people uh so far, but we are going live with a few uh bigger sets of uh user base at launch. We're launching this together with ARC at the same time with the ARC uh mainet launch and that's going to be really exciting. It's going to happen on the 16th of September. And yeah, here is our QR code for for signing up in the app. I would love for you guys to I I mean we cannot be more excited than than having your having our app in in your hands for you to test it. And yeah, thanks a lot for the time today and thanks for having me at the conference. Appreciate this.