Crypto is shifting to a more integrated role in digital finance, moving beyond the flashy tokens like Bitcoin and Ethereum. Instead, the future lies in stablecoins, which already handle around $9 trillion annually. Unlike traditional payment systems, stablecoins leverage blockchains for safer and more interoperable transactions. This change allows for seamless transfers between different financial services without requiring users to switch platforms. The potential for interoperability is significant, as it enables users on systems like PayPal and LINE Pay to transact without needing accounts on both platforms. The current model of blockchains as a "world computer" has limitations. Running applications within a single virtual machine isn't scalable or flexible enough for real-world needs. Instead, applications should operate independently while using a decentralized Layer 1 database that records transactions. This allows the applications to maintain their own infrastructure while benefiting from a shared, secure logging system. It supports established platforms like PayPal and Coinbase without demanding a complete overhaul of their systems. A world database model simplifies scaling compared to a world computer. Validators only need to verify data availability and order, rather than execute every transaction. Erasure coding allows for efficient data distribution among validators, ensuring they can reconstruct blocks without handling massive data loads. This structure supports a growing number of applications and validators, maintaining performance as the ecosystem expands. The vision is a unified financial system where applications can interact seamlessly, enhancing liquidity and fostering innovation.