# Fireside Chat with Nikhil Chandhok, Circle, and Kartik Talwar, ETHGlobal I Pragma San Francisco 2025

- Speakers: [Kartik Talwar](https://streameth.org/speakers/kartik-talwar)
- Channel: [ETHGlobal](https://streameth.org/ethglobal)
- Date: 2025-10-09
- Duration: 24:40
- Topics: Nikhil Chandhok, Circle, Kartik Talwar, ETHGlobal, stablecoins, USDC, blockchain innovation, cross-border payments, developer platform, crypto UX, multi-chain support, financial inclusion, decentralized finance, Web3 wallets, blockchain security, regulatory compliance, Visa transaction volume, open internet, public blockchain, Pragma San Francisco
- Watch: https://streameth.org/watch/yt-zlBFDzfeKg8
- YouTube: https://www.youtube.com/watch?v=zlBFDzfeKg8

## Description

Join Nikhil Chandhok, Chief Product Officer at Circle, and Kartik Talwar from ETHGlobal, as they dive deep into the world of stablecoins and blockchain innovation. Discover how Circle is revolutionizing global financial inclusion with USDC, enabling seamless cross-border payments, instant settlements, and unprecedented capital efficiency.

Nikhil discusses Circle's developer platform, future innovations, regulatory perspectives, and how stablecoins surpass traditional financial networks in global transaction volumes. Learn what makes stablecoins the essential building block for the future of finance.

00:00 Introduction: Nikhil Chandhok & Circle Fireside Chat
00:45 Nikhil’s Journey: From Google and Meta to Circle
01:51 Personal Motivation Behind Joining Circle
03:33 Why Stablecoins Matter Globally
04:32 Circle's Mission Beyond USDC Issuance
05:02 Three Pillars of Circle's Business Model
06:12 Web3 Services & Developer Platform at Circle
07:15 Stablecoins After FTX: Restoring Industry Trust
08:18 Circle's User Experience & Wallet Innovations
09:19 Product Development Strategy at Circle
10:58 Simplifying Crypto UX for Global Consumers
12:09 Challenges Supporting Multiple Blockchains
13:46 Ensuring Security and Regulatory Compliance
14:42 Advocating for Open Internet & Public Blockchains
15:53 Predicting Novel Blockchain User Behavior
16:55 BlackRock's Bitcoin Fund & USDC Integration
17:31 Perspective on Competing Stablecoins
18:43 Regulatory Outlook for Stablecoins Globally
20:24 Why the Stablecoin Market Will Grow Exponentially
21:57 The Non-Zero-Sum Nature of Blockchain Innovation
22:34 New Features Coming to Circle’s Developer Platform
23:33 Stablecoin Transaction Volume Exceeds Visa
24:05 Conclusion: The Future of Money with Stablecoins

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🇺🇸 *Pragma San Francisco*
Pragma San Francisco 2024 was a special gathering of founders and builders that took place October 16th and 17th at The Contemporary Jewish Museum in San Francisco, CA.  Pragma San Francisco 2024 was an opportunity discuss the future of web3 and reflect on the past. Watch the full Pragma San Francisco playlist here: https://youtube.com/playlist?list=PLXzKMXK2aHh4LcwDpGf_itZrAu7XRNb07&si=3x3y9J3avgNTITUe

ETHGlobal's Pragma series takes place in cities around the world, and is designed to be a different kind of event. Pragma is a one-stage conference with founders-only on stage, bringing together a small group of curated attendees and speakers to discuss the future of web3 and reflect on the past. 

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✅ *Follow the Nikhil Chandhok*
X: https://x.com/chandhok

✅ *Follow Cirlce*
X: https://x.com/circle

✅ *Follow Kartik Talwar*
X: https://x.com/therealkartik
Warpcast: https://warpcast.com/kartik

✅ *Follow ETHGlobal*
X: https://x.com/ETHGlobal​
Warpcast: https://warpcast.com/ethglobal
Website: https://ethglobal.com
YouTube: https://www.youtube.com/c/ETHGlobal 

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_Are you interested in Ethereum development and entrepreneurship?_
👉 Sign up for the next ETHGlobal event: https://ethglobal.com/events
🎁 Get exclusive access and perks with ETHGlobal Plus! https://ethglobal.com/plus
📣 Want us to throw an event in your city? Tell us where! https://ethglobal.com/city

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