Talking about stablecoins can sometimes feel technical or confusing, especially when the word crypto already makes some people hesitate. In this episode, we break down the steady side of crypto and show how digital dollars actually work in real life.

In this episode of Crypto, Explained, we sit down with Jack McDonald, SVP of Stablecoins at Ripple, to unpack what stablecoins are, how they stay pegged to the U.S. dollar, and why they are becoming one of the most practical use cases in crypto today. We break down how stablecoins are minted and redeemed, how reserves are held in treasuries and money market funds, what the GENIUS Act means for regulation, and why some people call stablecoins the least crypto part of crypto.

We also explore cross border payments, inflation in high risk countries, on chain money that moves 24-7, programmable payments, de-pegging risk, and how everyday users can do smart due diligence before getting started.

Jack McDonald leads stablecoin strategy at Ripple, one of the longest standing digital asset companies in the industry, and helps institutions understand how regulated digital dollars can move faster, settle instantly, and bridge traditional finance with blockchain technology.

What We Discuss:

• (00:00) Why Stablecoins Are Getting So Much Attention

• (04:12) What a Stablecoin Actually Is in Plain English

• (08:45) How Stablecoins Stay Pegged to the US Dollar

• (14:30) The Difference Between Fiat Backed and Algorithmic Stablecoins

• (19:22) What the GENIUS Act Means for Regulation

• (24:10) Cross Border Payments and Inflation Use Cases

• (30:05) What On Chain Money and Programmable Payments Really Mean

• (36:48) De Pegging Risk and What Could Go Wrong

• (42:15) How to Do Smart Due Diligence Before Buying

• (48:30) Why Stablecoins Can Be an Entry Point Into Crypto
  

Learn more about the National Cryptocurrency Association (NCA):

Website: https://nca.org

X: @natcryptoassoc

Instagram: @natcryptoassoc

TikTok: @natcryptoassoc

LinkedIn: https://www.linkedin.com/company/natcryptoassoc

Facebook: https://www.facebook.com/natcryptoassoc/

Learn more about Ripple:

Ripple Website: https://ripple.com
Ripple X: https://x.com/Ripple
Ripple LinkedIn: https://www.linkedin.com/company/ripple/

Disclaimer: This content is for educational purposes only and does not constitute financial, legal, or tax advice.

Talking about crypto with your partner can feel awkward, risky, or even off limits. In this episode, we break down how real couples navigate skepticism, risk tolerance, and long term financial goals without turning it into a fight.

In this episode of Crypto, Explained, we sit down with Jennifer and Jason, a real life couple balancing careers, parenting, and investing, to unpack what it actually looks like when one partner is crypto curious and the other is skeptical. We explore how they moved from doubt to alignment, what helped build trust, how they created a shared financial path, and why starting small made all the difference.

We also explore FOMO, risk tolerance, crypto ETFs using retirement accounts, merchant adoption at places like Whole Foods and Home Depot, and how tools like glossaries, beginner courses, and simulators can make crypto feel practical instead of intimidating.

Jennifer and Jason are working parents who approach crypto with transparency, research, and humor, showing how everyday families can build confidence, stay aligned, and make thoughtful decisions about money in a digital world.

What We Discuss:

• (0:47) Why crypto talks feel tense with partners

• (1:01) Meet Jennifer and Jason and their starting gap

• (2:18) What pulled Jason into crypto in the first place

• (4:24) The moment he shifted from skeptical to supportive

• (5:22) Different tokens in plain English and what they are for

• (6:52) Paying with crypto and merchants like Whole Foods and Home Depot

• (9:36) Institutional adoption and ETFs as a familiarity bridge

• (10:19) Jen's first reaction and what built her confidence

• (12:39) Risk tolerance, emergency funds, and keeping fundamentals first

• (17:37) How their first real couple conversations unfolded

• (29:56) A practical framework for starting the conversation with less pressure

• (40:34) Closing takeaway: build a shared thesis, revisit it, move at your pace

Learn more about the National Cryptocurrency Association (NCA):

Website: https://nca.org

X: @natcryptoassoc

Instagram: @natcryptoassoc

TikTok: @natcryptoassoc

LinkedIn: https://www.linkedin.com/company/natcryptoassoc

Facebook: https://www.facebook.com/natcryptoassoc/

Disclaimer: This content is for educational purposes only and does not constitute financial, legal, or tax advice.

Building on a blockchain can sound technical, intimidating, or out of reach, but at its core it is simply software created by real people that runs on decentralized networks instead of traditional servers. This episode breaks down what building on-chain really means, how it works, and why more people than ever can participate without being engineers or insiders.

In this episode of Crypto, Explained, we unpack blockchain building in plain English with Phil and Dom Kwok, co-founders of EasyA. We explain what "building on-chain" actually means, how it differs from traditional software development, and how tools like smart contracts make it easier to create apps, move value, and launch ideas directly on blockchain networks.

We also explore common myths and misconceptions around crypto and blockchain, including who can build, how much coding knowledge is required, and debunking that this technology is only for experts. The conversation highlights real-world use cases, from payments and stablecoins to global access and mobile-first education, showing how blockchain is already part of everyday life around the world.

Ali is the approachable, curious voice behind Crypto, Explained, guiding beginners through crypto and blockchain without hype or jargon, and helping listeners feel confident, capable, and included as they learn how blockchain can fit into their everyday lives.

What We Discuss:

(00:40) Introduction: Why Building on Blockchain Feels Intimidating
(00:53) What "Building on Chain" Actually Means
(02:19) Blockchain vs Traditional Software Development
(03:01) Origin Story: How Phil and Dom Got Into Crypto
(8:30) Real World Crypto Use Cases: Payments, Stablecoins, Access
(13:03) Smart Contracts Explained in Plain English
(18:52) Common Myths and Misconceptions About Blockchain
(23:51) The EasyA Origin Story
(29:43) Real People, Real Projects Built Through EasyA
(31:28) Why Mobile First Learning Changes Everything
(36:40) Where Beginners Get Stuck and How to Push Through
(41:42) The Aha Moment: Utility Over Hype
(53:45) How to Learn More

Learn more about the National Cryptocurrency Association (NCA):

Website: https://nca.org

X: @natcryptoassoc

Instagram: @natcryptoassoc

TikTok: @natcryptoassoc

LinkedIn: https://www.linkedin.com/company/natcryptoassoc

Facebook: https://www.facebook.com/natcryptoassoc/

Learn more about Phil Kwok and Dom Kwok.

X: https://x.com/kwok_phil

X : https://x.com/dom_kwok

Learn more about EasyA:

Website: https://www.easya.io
X: https://x.com/easya_app

Disclaimer: This content is for educational purposes only and does not constitute financial, legal, or tax advice.