In this episode of the WRAP UP podcast, I sit down with Raagulan Pathy, Founder & CEO of KAST and former Vice President at Circle .

While most companies in crypto and stablecoins are focused on infrastructure, Raagulan believes the biggest opportunity lies elsewhere: building products for end users.

We discuss why he left Circle to launch Kast, a stablecoin-powered neobank serving customers in more than 150 countries, how stablecoins are changing global banking, and why traditional banks struggle to serve digital nomads, remote workers, and globally mobile individuals.

Topics covered:

• Why Raagulan left Circle to start Kast

• The vision behind a stablecoin neobank

• Can stablecoins compete with Revolut and traditional banks?

• Banking for digital nomads and global citizens

• Stablecoin adoption around the world

• The future of stablecoin cards and payments

• Why consolidation is coming to the stablecoin industry

• The impact of MiCA and the GENIUS Act

• Credit, wealth management, and tokenized assets

• Where the next wave of fintech innovation will come from

Raagulan also shares his perspective on the future of financial services, the biggest opportunities in stablecoins, and why owning the customer relationship matters more than building infrastructure.

Subscribe for more conversations with founders, CEOs, regulators, and operators shaping the future of fintech, payments, banking, AI, and digital assets.

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