COINOTAG News (Sept. 24) reported that during a YCombinator video discussion, partner Harjeet Taggar described the maturation of crypto infrastructure as ushering in an era he terms FinTech 3.0. He cited the convergence of low-cost blockchains, broadly used stablecoins, and more intuitive digital wallets alongside rising consumer acceptance as key enablers of this next phase in payment rails and on-chain services.
Taggar outlined practical implications for market participants, focusing on programmable systems that support near real-time settlement and persistent availability. Emphasizing instant payments and user-controlled custody, his remarks framed the transition as an infrastructure-driven shift toward code-native financial primitives rather than a speculative claim about specific timelines or products.