Will stablecoins become the next "utilities" of the payment era? Is it necessary to overturn the outdated banking system? The current payment system built on stablecoins and Stripe is no longer limited by banks. Technology and finance will undoubtedly give rise to several companies worth hundreds of billions, or even trillions. On the other hand, AI is accelerating this process, requiring smarter and more automated payments. Programmable finance, relying on the traditional banking system, is neither feasible nor secure. Only by building on cryptocurrency infrastructure can the next cycle of capital inflows exceed our imagination, creating a narrative far larger than institutional buying or national strategic reserves.