As one of the leading builders of stablecoin-native card infrastructure, Reap is rethinking how businesses fund spending by using stablecoins as collateral instead of relying on traditional banking models. Harris explains how the company is enabling programmable corporate cards, preparing for agentic AI payments, and helping businesses optimize treasury management with tokenized assets—all while leveraging existing global card networks.

From stablecoin-backed credit and AI-powered commerce to Reap's acquisition by Kraken and the evolution of payment infrastructure, this conversation offers an inside look at how the next generation of financial systems is being built.

Connect with our Host & Guest:

Maya Caddle: https://www.linkedin.com/in/maya-caddle/

Harris Leow: https://www.linkedin.com/in/harrisleow/

About Mint Condition:

Join host Maya Caddle on Mint Condition as she explores what is actually happening as crypto and traditional finance increasingly intersect. Through conversations with operators, builders, and experts across payments and financial services, she looks at how crypto is influencing the next phase of financial infrastructure.

As one of the world's largest money movement companies, Western Union is testing how stablecoins can reduce the need for prefunding, improve liquidity management, and create more efficient settlement across global remittance corridors. Malcolm breaks down the thinking behind USDPT, the operational realities of off-ramping and treasury management, and what it will take for stablecoins to deliver real-world value at scale.

From remittances and settlement to regulation and global adoption, this conversation offers an inside look at how a 175-year-old payments giant is evaluating the next generation of financial infrastructure.

Connect with our Host & Guest:

Maya Caddle: https://www.linkedin.com/in/maya-caddle/

Malcolm Clarke: https://www.linkedin.com/in/clarkemalcolm/

About Mint Condition:

Join host Maya Caddle on Mint Condition as she explores what is actually happening as crypto and traditional finance increasingly intersect. Through conversations with operators, builders, and experts across payments and financial services, she looks at how crypto is influencing the next phase of financial infrastructure.

In this episode, Maya sits down with Ben Reynolds, SVP and Head of Big Business Banking at SoFi, and Simon Griffin, who leads SoFiUSD, to unpack how SoFi is rebuilding the infrastructure for the next era of banking. From relaunching a SEN-style real-time settlement network to launching SoFiUSD, the first tokenized deposit and stablecoin hybrid issued by a nationally chartered US bank, the conversation dives into liquidity, risk management, correspondent banking, stablecoin infrastructure, and what the future of onchain finance could look like for both institutions and consumers.

Subscribe to Mint Condition for more conversations at the intersection of banking, payments, stablecoins, and the future of financial infrastructure.

Connect with our Host & Guests:

Maya Caddle: https://www.linkedin.com/in/maya-caddle/

Ben Reynolds: https://www.linkedin.com/in/ben-reynolds-2257b19/

Simon Griffin: https://www.linkedin.com/in/simon-griffin-bvnk/

About Mint Condition:

Join host Maya Caddle on Mint Condition as she explores what is actually happening as crypto and traditional finance increasingly intersect. Through conversations with operators, builders, and experts across payments and financial services, she looks at how crypto is influencing the next phase of financial infrastructure.