<ul data-eligibleForWebStory="true">Circle CEO believes stablecoins are the highest utility form of money created.Stablecoins have strong adoption but real transformation is still ahead.Accessibility of financial technology and low programming costs are highlighted.Transaction speeds under one second and low costs are seen as crucial.Freedom to program and innovate with stablecoins seen as essential for true disruption.Programmable stablecoins could revolutionize payment systems and banking models.Decentralized financial infrastructure shift towards programmable stablecoins.Stablecoins could lead to global competition and better financial services.Circle, issuer of USDC, expected to play a significant role in this evolution.Industry leaders see stablecoins with open programmability as key to an efficient financial system.Circle CEO’s views echo those of other industry experts.Stablecoins have the potential to reshape finance by enabling greater efficiency and accessibility.Programmability of stablecoins highlighted as a key factor for transforming financial systems.Stablecoins offer the freedom to program and innovate, enabling new possibilities.The focus is on creating competitive, open financial systems with stablecoins.The industry is poised for disruption as programmable stablecoins become more prevalent.