Thought Leadership
Consensus 2026 Keynote Brief: Programmable Money and the Next Era of Payments
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Published May 5, 2026
Written by Protocol Theory
A data-backed summary of Protocol Theory’s latest research into stablecoins, programmable money, and the demand-side future of payments.
Download the brief to explore where consumer demand is forming, which use cases create switching intent, and what it takes to turn better infrastructure into products people actually choose.
Download the Keynote Brief: The iPhone Moment for Money
Read the Full Article: The iPhone Moment for Money: Why Stablecoins Need Better Taps, Not Just Better Pipes
Why this exists
Stablecoins have improved how money moves.
This brief focuses on what actually drives people to use it.
Built from Protocol Theory’s latest research and presented at Consensus 2026, it distills the key findings into a short, practical format.
What you’ll learn
- Why faster and cheaper does not change behavior on its own
- Where real payment pain is concentrated
- The use cases consumers are most likely to switch for
- How programmable money creates practical, everyday utility
- What this means for wallets, payments, and stablecoin strategy
Get in touch
Building in stablecoins, payments, or wallets?
We help teams identify where demand is forming, which use cases create switching intent, and how to turn programmable money into products people choose.
Let’s talk about what you’re building.
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