Stellar Lumens Is Becoming Financial Infrastructure, To Power Tomorrows World!

In this episode, we sit down with Candace Kelly, Chief Legal and Policy Officer at Stellar Development Foundation, for a deep conversation on Stellar, stablecoins, real-world assets, regulation, AI payments and the future of financial infrastructure. Candace shares her perspective on how Stellar was designed from the outset for cross-border payments and asset issuance, why public blockchain infrastructure can expand access to the global financial system, and how distributed ledger technology may become part of everyday financial services sometimes without users even realizing it. We also discuss the role of stablecoins as a potential settlement layer, the rise of tokenized real-world assets, institutional adoption, regulatory clarity in the United States, AI-driven payments, digital identity, privacy, and why blockchain infrastructure may become increasingly important as finance moves on-chain. Topics Covered • What Stellar was built to solve • Cross-border payments and asset issuance • Stablecoins as settlement infrastructure • Tokenized real-world assets • Stellar’s role in institutional blockchain adoption • Regulation, the GENIUS Act and the CLARITY Act • DLT as invisible financial infrastructure • MoneyGram, Franklin Templeton, State Street and Société Générale • AI payments and agentic finance • Digital identity, privacy and compliance • The future of blockchain-powered financial access Chapters: 00:00 Intro 02:27 Welcome Candace Kelly 02:55 What is Stellar? 05:40 From Uber to blockchain 06:49 Stablecoins and real-world access 08:02 From DOJ to Stellar 10:25 Crypto’s biggest challenges 12:14 Why clear rules matter 14:30 Regulation, GENIUS and CLARITY 16:49 Is DLT like the internet? 17:31 Aid, payments and settlement 18:30 Blockchain behind the scenes 19:27 Franklin Templeton and Benji 20:17 Removing financial gatekeepers 21:48 Compliance and asset controls 22:47 User experience and trust 23:47 MoneyGram and on/off ramps 24:43 The future role of stablecoins 25:49 Faster settlement and transparency 26:00 Stablecoins as settlement rails 27:31 Yield-bearing stablecoins 28:28 Tokenized funds and access 30:15 Real-world assets on Stellar 31:07 $2B in RWAs on Stellar 32:19 Tokenization and finance 33:17 What DLT unlocks 34:50 Agentic payments 36:52 Digital identity and privacy 37:50 Governments using Stellar 38:47 AI, truth and blockchain 42:23 Could AI accelerate crypto? 43:47 AI payments and low-cost rails 45:16 Stellar’s 2026 focus 46:01 Institutional interest 46:12 Scaling responsibly Useful Links: AllInCrypto Website: https://allincrypto.com/ AllInCrypto on X: https://x.com/RealAllInCrypto Stellar Development Foundation: https://stellar.org/ Stellar on X: https://x.com/StellarOrg Disclaimer The content in this video is for informational and educational purposes only and should not be considered financial, investment, legal or tax advice. Always do your own research and consult a qualified professional before making any financial decisions. Hashtags #stellar #stellarlumens #xlm #blockchain #stablecoins #tokenization #rwa #realworldassets #digitalassets #crypto #payments #fintech #financialinfrastructure #ai #dlt