Key ideas from Charles Yoo-Naut

• Only 1% of US dollars are currently stablecoins, suggesting 100x growth potential from current levels
• RAIN raised $250 million at $1.95 billion valuation after growing 80x in 12-18 months
• RAIN achieved principal membership with Visa, allowing direct settlement and collapsing traditional card infrastructure stack
• Majority of RAIN's revenue comes from international markets, not the US
• Traditional card issuers must hold four days of reserves as collateral; RAIN only needs one day with stablecoin settlement
• RAIN processes around $100 million in revenue through interchange fees and SaaS subscriptions
• Western Union partnership enables stablecoin-powered remittances with instant cross-border settlement
• On-chain credit through Credit Coup allows RAIN to tokenize receivables and borrow against future card payments