This episode is a discussion from Stellar's Meridian conference, in which I moderated the panel, Crypto on Every Corner: Driving Adoption, featuring Jeremy Allaire, cofounder, chairman and CEO of Circle, and Meltem Demirors, chief strategy officer at CoinShares. In this discussion, we cover: what adoption means and looks like  why cryptocurrency is at a particularly interesting inflection point how central bank digital currencies could affect that how blockchains will recede into the background how existing fintech payment apps will use blockchains and/or crypto where on the road to adoption the industry currently is  the significance of Crypto Twitter as a marketing tool what the crypto industry needs to do in the next year to grow the industry why it would have been easier to start a bank than a crypto business why the separation of money and state is one of the most interesting experiments in history  how we'll see new corporate-like organizations without any connections to any existing legal or financial systems driven by tokens what their favorite crypto adoption success story is Thank you to our sponsors! Crypto.com: http://crypto.com   Episode links: Jeremy Allaire: https://twitter.com/jerallaire Circle: https://www.circle.com/en/ Meltem Demirors: https://twitter.com/Melt_Dem Coinshares: https://coinshares.com   PayPal offering crypto: https://techcrunch.com/2020/11/12/paypal-says-all-users-in-u-s-can-now-buy-hold-and-sell-cryptocurrencies/   Revolut offering crypto: https://techcrunch.com/2020/07/15/revolut-partners-with-paxos-to-bring-cryptocurrency-trading-to-the-us/