In a recent X thread, Harj Taggar from Y Combinator shared insights from his conversation with Jesse Pollak of Coinbase, highlighting why now is the prime time to build onchain applications. The discussion, captured in a detailed video, dives into the evolution of fintech and the explosive potential of programmable money. As someone who's covered the crypto beat extensively, I see this as a game-changer, especially for the meme token ecosystem that thrives on rapid innovation and community-driven value.

From Fintech 1.0 to 3.0: The Onchain Revolution

The video breaks down the fintech timeline simply: Fintech 1.0 digitized payments with pioneers like PayPal, making online transactions commonplace. Fintech 2.0 layered APIs on top of traditional banking, thanks to companies like Stripe and Plaid. Now, Fintech 3.0 is all about rebuilding finance from the ground up using blockchain—think instant, global settlements without banks holding your assets.

What makes this era exciting? Low-cost chains like Base (built by Coinbase), widespread stablecoin adoption, and clearer regulations via acts like GENIUS and potentially CLARITY. These remove barriers, letting builders create without the old regulatory fog. Harj and Jesse emphasize that stablecoins aren't just digital dollars; they're the gateway to programmable money that settles in seconds for pennies.

Stablecoins: The Foundation for Meme Token Growth

Stablecoins like USDC or USDT are pegged to real-world assets for price stability, perfect for payments. The thread points out trillions in settled stablecoin transactions already, with apps like Kontigo and DolarApp (YC alums) enabling cheap remittances in regions like Latin America.

For meme tokens, this is huge. Many memes launch on platforms like Pump.fun (mentioned in the accompanying YC blog), which tokenizes creator content. Stablecoins provide the liquidity and low fees needed for viral meme trading. Imagine seamless integrations where meme communities use stablecoins for airdrops, tipping, or even cross-border fan funding— all without hefty forex fees.

YC and Coinbase are keen on funding stablecoin innovations, such as:

• Integrating stablecoins into payment platforms for efficiency gains.
• Local stablecoins tied to currencies beyond the USD, opening doors for global meme creators.
• Tools that make stablecoins a staple in everyday finance, indirectly boosting meme ecosystems by increasing onchain activity.

Tokenization: Redefining Assets in the Meme World

Beyond stablecoins, tokenization turns real-world assets into blockchain tokens—think fractional ownership of art, stocks, or even rental income streams paid out in real-time. This could transform illiquid assets into tradable ones, accessible to anyone with a wallet.

In the meme space, this aligns perfectly with social tokens and creator coins. Platforms like Zora and Pump.fun are already tokenizing content, letting fans own a piece of their favorite memes or influencers. Harj and Jesse highlight opportunities in:

• New credit markets using onchain reputation for loans, which could fund meme projects without traditional collateral.
• Onchain capital formation, where startups (or meme launches) raise directly from users via programmable tokens.
• Advanced trading interfaces to handle the influx of tokenized assets, making meme trading more sophisticated and liquid.

Picture a world where a viral meme token represents fractional ownership in a creator's brand, with dividends flowing automatically. This isn't sci-fi; institutions like J.P. Morgan are already experimenting with deposit tokens on Base.

Apps and Agents: The Future of Onchain Memes

The conversation wraps with a nod to onchain apps and AI agents. Blockchains act like a permissionless OS, enabling apps in social, gaming, and finance that weren't possible before. AI agents with wallets could automate trades, manage meme portfolios, or even curate community events.

For meme insiders, this means explosive growth in gamified apps where users earn from participation. Base is already hosting apps for loans, games, and creator support—prime territory for meme integrations. YC and Coinbase want to fund builders pushing these boundaries, signaling more resources for innovative meme projects.

Why This Matters for Meme Token Builders

As the editor at Meme Insider, I'm thrilled by this push. Meme tokens often lead crypto trends with their speed and virality, and Fintech 3.0 provides the infrastructure to scale them globally. Whether you're a dev eyeing YC funding or a trader spotting the next big pump, keep an eye on onchain developments. Harj's thread and the YC blog are must-reads for anyone in blockchain— they signal that the golden age of crypto building is here, and memes are right at the heart of it.

If you're building something onchain with a meme twist, apply to YC or check out Coinbase Ventures. The tools are ready; it's time to build.