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0稳定币巨额链上交易量为何难变成日常支付？一场覆盖通道、牌照、风控与 AI 的完整访谈——发卡基建商 Interlace 拆解：六大落地条件、CaaS 与卡组织、「三明治」清算升级、合规护城河，以及 AI Agent 支付往哪走｜ft. Interlace Simon | Actually You Know EP02｜Stablecoins at Scale vs Everyday Checkout: Six Conditions, CaaS, Compliance & AI Agent Payments ft. Interlace Simon
视频版：www.youtube.com
TOPICS COVERED
开场与职业转折：PayPal/万里汇到 Web3 基建
Opening and career pivot: from PayPal / WorldFirst to Web3 infrastructure
Interlace 做什么：CAAS/BaaS 与链上—消费通道
What Interlace does: CAAS/BaaS and the on-chain-to-spend rail
体量矛盾与落地六条件：33 万亿 vs 咖啡店体感
Scale vs. reality: $33T volume vs. the coffee-shop experience, and six conditions for adoption
六环进展与生态位：已打通哪些、Visa 主成员角色
Progress across the six links and market position: what’s live, and the Visa principal member role
产业链与场景：B2B 体量、C 端增速与典型客户
Industry chain and use cases: B2B scale, consumer growth, and typical customers
CaaS 意义：模块化发卡、平台内嵌支付与卡组织关系
Why CAAS matters: modular issuance, embedded platform payments, and ties to card networks
三明治模型：两端法币体验、中间稳定币清算与演进
The “sandwich” model: fiat UX on both ends, stablecoin clearing in the middle, and what’s next
AI 支付：Agent、Token 载体、合规与监测提效
AI payments: agents, tokenized instruments, compliance, and smarter monitoring
「免 KYC」卡：需求心理、企业卡套利与风险
“No-KYC” cards: user psychology, corporate-card arbitrage, and the risks
合规护城河：牌照布局、保守策略与地区悖论
Compliance as a moat: licensing, a conservative playbook, and the regional paradox
Visa 主成员与分层风控：卡组织—发卡方—伙伴
Visa principal membership and layered risk controls: scheme, issuer, partners
未来 12–18 个月：支付入口前置与原生闭环
Next 12–18 months: moving payments to the front page and native closed-loop flows
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SERIES OVERVIEW
Actually You Know is an interview series from LongTree Labs, featuring fresh conversations with the builders, researchers, and operators shaping the next generation of financial infrastructure — from stablecoins and DeFi to on-chain finance and beyond.
Each episode is designed around one principle: the people actually building these systems may know things you don't — and we're here to close that gap.
Actually You Know. Because you can.
