Nikhil Chandhok (@chandhok) is one of the most important product leaders in digital money.
He’s CPTO of @circle , the company behind @USDC , and is building Arc as infrastructure for how money actually moves on the internet. He has shipped at YouTube, Google, and Meta and now explains why payment rails determine what gets built.
0:00 From dial-up to agentic payments
0:49 Why how people pay shapes the entire experience
1:01 Android, ads, and why better payment models change ecosystems
3:03 Agent tech, wallets, and nano payments
3:32 USDC, Arc, and following the customer across chains
5:25 Tokenization, on-chain credit, and smaller companies
8:02 Stablecoins, regulation, and countries issuing their own money
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Why is moving money across borders still so complicated?
This week on Crossing the Chasm, Justin Friedman sits down with Rachel Mayer, VP of Product at @circle, to explore Arc, Circle’s new layer one blockchain, and her vision for an “economic operating system” for on-chain finance.
Drawing on her experience trading emerging-markets currencies on Wall Street, Rachel discusses what needs to change, from how institutions settle foreign exchange to how privacy and auditability can work together.
They also explore the role of local currencies, AI agents transacting with each other, and a question with real consequences for everyday payments: should instant settlement always be irreversible?
Listen to the full conversation wherever you get your podcasts, or via the link in the comments.
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