In this episode of Unshielded: A Blockchain & Data Podcast by Midnight, host Ian Kane is joined by Jillian Plomin, CEO of W3i Software and Moneta Digital, to dive into what it actually takes to build a regulated, MiCA-compliant, fiat-backed stablecoin like USDM, and why proof-of-reserves style transparency is becoming table stakes.

What You’ll Learn:

How to design stablecoins that exceed regulatory requirements from day one
Why on-chain transparency via oracles outperforms traditional audits
The critical tension between TradFi cannibalization and blockchain freedom
How privacy-enabled stablecoins unlock B2B blockchain adoption
Why you need a menu of stablecoin options, not just one winner

Jillian Plomin is CEO of W3i Software and Moneta Digital, the issuer of USDM, a fully regulated, MiCA-compliant fiat-backed stablecoin built on the Cardano blockchain. Under Jillian’s leadership, W3i is building secure, compliant, and scalable blockchain-based financial infrastructure that bridges traditional finance and decentralized systems.

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Episode Resources:

Jillian Plomin on LinkedIn
W3i Software Website
USDM - Moneta Digital Website
Ian Kane on LinkedIn
Midnight Foundation Website