{"id":31540,"date":"2026-10-29T19:14:34","date_gmt":"2026-10-29T19:14:34","guid":{"rendered":"https:\/\/pettysackingforum.com\/?p=31540"},"modified":"2026-10-29T19:14:34","modified_gmt":"2026-10-29T19:14:34","slug":"coinspaids-pavel-kashuba-on-infrastructure-for-routine-digital-asset-payments","status":"publish","type":"post","link":"https:\/\/pettysackingforum.com\/?p=31540","title":{"rendered":"Coinspaid\u2019s Pavel Kashuba on infrastructure for routine digital asset payments"},"content":{"rendered":"
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Pavel Kashuba, Strategic Leader at Coinspaid Solutions, used his main-stage address at Stablecon USA 2026 in Washington, D.C., to examine the operational work required to make crypto a routinely used payment method.<\/p>\n

His session, \u201cFour in Ten American Businesses Take Crypto. <\/p>\n

Most of Their Customers Never Notice,\u201d placed payment design at the center of the adoption debate. <\/p>\n

Kashuba argued that availability alone provides a limited measure of success. <\/p>\n

Real adoption appears in completed transactions and repeat customer behavior.<\/p>\n

Adoption is already visible at checkout<\/h2>\n

A Harris Poll survey for the National Cryptocurrency Association found that 39% of surveyed US merchants accept crypto at checkout. <\/p>\n

Among those merchants, crypto represents 26% of total sales. <\/p>\n

Another NCA study found that 26.8 million Americans use crypto to shop and pay, equivalent to 40% of US crypto holders.<\/p>\n

Kashuba placed these figures within the wider stablecoin economy. <\/p>\n

A McKinsey analysis conducted with Artemis estimated annual stablecoin activity at up to $35 trillion. <\/p>\n

Actual stablecoin payments ran at about $390 billion based on December 2025 activity, leaving payment use at roughly 1% of total volume.<\/p>\n

For Pavel, this gap shifts attention toward the practical conditions surrounding each payment.<\/p>\n

Four decisions determine real usage<\/h2>\n

Kashuba organized the challenge around four operational decisions. <\/p>\n

Placement determines whether customers see the crypto option at checkout. <\/p>\n

Currency and network coverage influence transaction cost and processing time. <\/p>\n

Settlement design governs when merchants receive funds and the form in which they arrive. <\/p>\n

Custody establishes who controls the assets and carries responsibility for them.<\/p>\n

For banks, PSPs and acquirers, these are the design choices behind any crypto offering they extend to their merchants.<\/p>\n

The framework draws on the operating experience behind Coinspaid Solutions. <\/p>\n

Infrastructure used by its clients has processed more than \u20ac100 billion in volume and over 200 million transactions.<\/p>\n

At that scale, checkout visibility and network selection have measurable effects on payment completion. Settlement configuration shapes the merchant\u2019s exposure after each transaction. <\/p>\n

Kashuba\u2019s approach gave the session an operational basis grounded in live payment environments.\u00a0<\/p>\n

Settlement and custody define the operating model<\/h2>\n

More than 70% of businesses settle crypto payments in fiat, according to figures presented by Kashuba. <\/p>\n

Configured for automatic conversion into US dollars or euros, the setup lets merchants receive familiar treasury assets without holding crypto. <\/p>\n

Settlement is provided by regulated entities or licensed banking partners; availability varies by jurisdiction. <\/p>\n

Blockchain transfers operate outside the card chargeback mechanism, while refunds remain a separate merchant-controlled process.<\/p>\n

Custody carries a wider set of operational consequences. <\/p>\n

\u201cThe choice depends on how much control your business wants and how much infrastructure it can manage,\u201d Kashuba said.<\/p>\n

This division of responsibility is also central to the enterprise infrastructure model developed by Coinspaid Solutions. <\/p>\n

Financial institutions operate under their own regulatory framework and retain control over transaction signing. <\/p>\n

Coinspaid deploys and maintains the underlying technology, allowing institutions to preserve their customer relationships and operating models. <\/p>\n

The structure reflects Kashuba\u2019s broader point that control, security, compliance, and operational capacity need to be designed as one system.<\/p>\n

A framework for agentic payments<\/h2>\n

Pavel Kashuba closed by applying the same framework to agentic payments. <\/p>\n

Amazon\u2019s Buy for Me and Google\u2019s Universal Cart already allow AI systems to complete purchases for users. <\/p>\n

The x402 protocol has recorded more than 100 million transactions on Base. <\/p>\n

Autonomous commerce will still depend on visible payment options, suitable network coverage, reliable settlement and clearly assigned custody. <\/p>\n

Kashuba presented the experience gained from live crypto payment infrastructure as a practical foundation for designing that emerging layer.<\/p>\n

Across the session, Kashuba\u2019s central message remained grounded in execution: payment infrastructure creates value when it converts market demand into reliable, repeatable usage. <\/p>\n

Coinspaid Solutions\u2019 experience at scale gave that argument a practical foundation, connecting today\u2019s crypto payment realities with the infrastructure requirements of the next phase of digital commerce.\u00a0<\/p>\n

The post Coinspaid\u2019s Pavel Kashuba on infrastructure for routine digital asset payments<\/a> appeared first on Invezz<\/a><\/p>\n

<\/p>\n","protected":false},"excerpt":{"rendered":"

Pavel Kashuba, Strategic Leader at Coinspaid Solutions, used his main-stage address at Stablecon USA 2026 in Washington, D.C., to examine the operational work required to make crypto a routinely used payment method. His session, \u201cFour in Ten American Businesses Take Crypto. Most of Their Customers Never Notice,\u201d placed payment design at the center of the […]<\/p>\n","protected":false},"author":1,"featured_media":31541,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[72],"tags":[],"class_list":["post-31540","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-crypto-news"],"_links":{"self":[{"href":"https:\/\/pettysackingforum.com\/index.php?rest_route=\/wp\/v2\/posts\/31540","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/pettysackingforum.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/pettysackingforum.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/pettysackingforum.com\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/pettysackingforum.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=31540"}],"version-history":[{"count":0,"href":"https:\/\/pettysackingforum.com\/index.php?rest_route=\/wp\/v2\/posts\/31540\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/pettysackingforum.com\/index.php?rest_route=\/wp\/v2\/media\/31541"}],"wp:attachment":[{"href":"https:\/\/pettysackingforum.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=31540"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/pettysackingforum.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=31540"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/pettysackingforum.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=31540"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}