In the fast-paced world of crypto, where meme tokens like RECALL and HIBACHI can skyrocket overnight, stability might seem like a foreign concept. But according to Tony McLaughlin, founder of Ubyx, stablecoins are here to change that – and he calls them a "little bundle of joy" that the world should embrace, especially those backed by American issuers.

This gem comes from a recent clip shared by The Rollup on X, featuring Tony in their "Money Moves Fast" series, Episode 7. If you're into blockchain and digital assets, The Rollup is a go-to podcast hosted by Andy and Robbie, dishing out face-to-face chats with industry leaders. This particular episode dives into building the stablecoin network, and the clip highlights Tony's optimistic take on U.S.-based stablecoins.

Who Is Tony McLaughlin and What Is Ubyx?

Tony McLaughlin isn't your typical crypto bro – he's a payments veteran with over 30 years in traditional finance (TradFi), including stints at major banks like Citi. He's the originator of the Regulated Liability Network, a concept aimed at bridging regulated finance with blockchain tech. Now, as CEO and founder of Ubyx, he's building a clearing system that makes stablecoins more accessible and integrated with everyday banking.

Ubyx acts like a hub for stablecoins, allowing users to deposit them from various issuers and currencies directly into bank or fintech accounts. Think of it as the plumbing that connects the wild world of crypto to the steady flow of traditional money. Recently, Ubyx made headlines when Januar, a European fintech, completed its first stablecoin redemption through their network, redeeming Paxos' USDG. This shows Ubyx is already making waves in real-world applications.

The Clip: Stablecoins as a 'Bundle of Joy'

In the video clip from The Rollup, Tony passionately argues for the adoption of American stablecoins. He describes them as a "little bundle of joy," emphasizing their potential to bring reliability and efficiency to global payments. Why American? Well, U.S.-regulated stablecoins like USDC or USDT are backed by dollars and subject to strict oversight, making them trustworthy in a space often plagued by volatility.

Tony's message is clear: the world shouldn't fear dollar dominance in stablecoins but welcome it. After all, the U.S. dollar is the global reserve currency, and stablecoins extend that reach into the digital realm. For blockchain practitioners, this means faster, cheaper cross-border transactions without the headaches of currency conversion.

Check out the full clip here: Tony McLaughlin on Stablecoins.

Why This Matters for Meme Tokens

At Meme Insider, we're all about meme tokens – those fun, community-driven assets that can turn a viral joke into serious gains. But let's be real: trading memes on chains like Solana or Ethereum often involves stablecoins as the on-ramp and off-ramp. Whether you're swapping USDC for the latest dog-themed token or using stablecoins to hedge against pumps and dumps, they provide the stability that lets the meme magic happen.

Tony's vision with Ubyx could supercharge this. By making stablecoin deposits seamless into bank accounts, it lowers barriers for new users entering the meme token space. Imagine cashing out your HIBACHI gains directly to your bank without multiple hops or high fees. Plus, with meme tokens often tied to fast-moving trends, having a robust stablecoin network ensures liquidity when you need it most.

In the clip, the ticker at the bottom scrolls through various assets, including meme favorites like RECALL, RELAY, and TALUS. It's a nod to how stablecoins underpin the entire ecosystem, from blue-chip cryptos to the wildest memes.

The Bigger Picture: Stablecoins and Blockchain Evolution

Stablecoins aren't just pegged digital dollars; they're the bridge to mainstream adoption. With over $150 billion in market cap as of 2025, they're powering DeFi, remittances, and even corporate treasuries. Tony's push for a "stablecoin network" aligns with broader trends, like banks exploring their own stablecoins or integrating with existing ones.

For meme token enthusiasts, this evolution means more tools to build and grow communities. Projects could leverage Ubyx-like systems for treasury management or community payouts, making meme coins more than just speculative assets – perhaps even utility-driven ones.

If you're curious about the full episode, head over to The Rollup on YouTube, Spotify, or Apple Podcasts. Tony's insights are a must-listen for anyone looking to level up their blockchain knowledge.

What do you think – are American stablecoins the future, or should we see more diversity in issuers? Drop your thoughts in the comments, and stay tuned to Meme Insider for more on how tech like this impacts your favorite memes.