The Fusion of Stablecoins and CaaS: Interlace Enables "Consumption Freedom" for Cryptocurrencies

In the field of cryptocurrency, stablecoins have become an important bridge connecting traditional finance and the crypto world due to their characteristic of being pegged to fiat currencies.

According to ARK Invest's report "Big Ideas 2025," the trading volume of stablecoins is expected to reach $15.6 trillion in 2024, making it the fastest-growing type in the digital currency sector. Behind this data is the urgent demand from industries such as cross-border payments and international trade for low-cost and high-efficiency capital flow. However, in contrast to the high-frequency application of stablecoins in trading scenarios, their actual consumption applications have not yet truly integrated into the daily lives of the general public due to cumbersome exchange processes and poor user experiences.

How can this bottleneck be broken? The innovative fintech platform Interlace is opening up new possibilities for the practical use of cryptocurrencies by integrating technology and reconstructing ecosystems, combining stablecoins with card payments, and introducing a new idea of CaaS (Card as a Service).

Explosive Growth in Stablecoin Trading Volume, Yet Actual Consumption Applications Face Obstacles

The original intention behind the creation of stablecoins was to solve the price volatility problem of cryptocurrencies. Due to their uniqueness and convenience, they have rapidly grown in the digital currency world. According to VanEck's prediction for 2025, the global daily settlement volume of stablecoins is expected to reach $300 billion.

However, in terms of actual application, stablecoins currently do not have significant advantages compared to fiat currencies. On one hand, merchants are concerned about security and compliance risks, stemming from the lack of technological infrastructure—traditional financial payment systems generally lack the capability to connect with blockchain.

Secondly, the fragmented user experience is also a significant factor hindering stablecoin transactions. If users holding stablecoins want to make everyday purchases, they must go through a complex process of "selling on an exchange → withdrawing fiat → recharging a bank card," which can take hours or even days, and may incur additional exchange losses. This inefficient mechanism not only contradicts the essential need for instant payments but also forces users to compromise between "holding crypto assets" and "convenient consumption."

Technological Breakthrough: CaaS Reshapes the Crypto Payment Experience

In response to the above challenges, Interlace proposes to break the deadlock through the combination of stablecoins and the CaaS model. The Infinity Card launched by Interlace supports a seamless closed loop of "crypto → fiat → consumption." Additionally, Interlace provides a CaaS API interface that allows businesses or institutions to issue physical or virtual cards in as little as two weeks, enabling enterprises and end users to exchange and consume cryptocurrencies and fiat currencies anytime and anywhere, achieving true "freedom of consumption" for on-chain assets. The successful realization of a seamless trading experience for stablecoins is attributed to the innovation and synergy of two core functions.

The first is Interlace CryptoConnect, which is the core foundation for facilitating transactions between fiat and cryptocurrencies. Interlace not only supports the secure storage of crypto assets such as USDT, USDC, ETH, and BTC but also provides a 15-second price locking feature by aggregating on-chain liquidity—when a business initiates a transaction to exchange dollars for cryptocurrency, the system will freeze the quoted price for 15 seconds, allowing the business to settle at the locked price even if the market fluctuates wildly during that time. This "time magic" is backed by Interlace's algorithm, which instantaneously scans liquidity across hundreds of exchanges and optimizes paths. The second is the multi-BIN card segment support of the Infinity Card. The card BIN, as the prefix code of the payment card, determines its clearing network and regional scope. Currently, Interlace supports over 30 types of card BINs and various forms such as physical and virtual cards, as well as binding to digital wallets like Apple Pay and Google Wallet, allowing users to choose the appropriate card for transactions based on consumption scenarios, amounts, and targets. For example, a virtual card can be chosen for online subscription services to reduce the risk of fraud, while a physical card can be used for offline business travel expenses.

With the advantages of CryptoConnect and multi-card BIN, enterprises can achieve efficient card issuance through Interlace CaaS, reshaping capital flow and transaction models. For example, cryptocurrency trading institutions can quickly access and build customized card issuance systems through the standardized CaaS API interface provided by Interlace. By issuing cards to end users, exchanges can activate "silent assets," converting cryptocurrencies into actual purchasing power, lowering the "currency usage threshold," and increasing user activity. On the other hand, with Interlace's compliance capabilities, they can meet regulatory requirements across multiple regions, including Europe, the United States, and Southeast Asia, while increasing revenue.

Dual Assurance of Efficiency and Security

Interlace's advantages extend beyond a single sector; it can deeply couple Global Accounts (multi-currency accounts) with Infinity Cards to build an efficient financial ecosystem. For example, businesses can receive dollar payments from overseas clients through Global Accounts and convert them in real-time to digital cryptocurrencies like USDC; they can also pay suppliers through Infinity Cards—all operations are completed within one interface, eliminating the need for funds to repeatedly jump between banks, exchanges, and wallets. This "end-to-end" smooth experience is redefining the boundaries of corporate financial management.

In terms of security mechanisms, Interlace embeds KYT (Know Your Transaction) for cryptocurrency deposits, KYC verification for cardholders (supporting API and custodial models), and AML (Anti-Money Laundering) modules directly into the system, complying with regulatory requirements and providing the underlying infrastructure for efficient and secure capital flow.

Unlocking New Links for Cryptocurrency Circulation

As a global leader in financial infrastructure services, Interlace is committed to driving the deep integration of Web3 and Web2 ecosystems through technological innovation. The Interlace CaaS model lowers the barriers to entry and use of crypto technology, enabling small and medium-sized enterprises and even individuals to participate in global trade and capital management at a lower cost. This is not only an innovative application of the PayFi concept but also further enhances "financial inclusivity," resonating with the DeFi concept of blockchain technology.

At the same time, Interlace's CaaS practice has set an innovative benchmark for the industry—by being compatible with existing payment networks, adhering to compliance standards, and focusing on user experience, it allows cryptocurrencies to truly land and be applied in cross-border payments, personal consumption, and other areas of the real economy. This pragmatic innovation path is quietly reshaping the rules of global capital flow.

Interlace, founded in 2019, has obtained the highest security certification in the international card payment industry, PCI-DSS Level 1, and holds licenses such as Hong Kong TCSP, U.S. MSB, and Lithuania VASP. To date, Interlace has issued over 6 million cards, serving more than 7,500 enterprises, and processes over 60 million transactions annually.