Y Combinator, in collaboration with Base and Coinbase Ventures, has launched an initiative termed ‘Fintech 3.0’, which encourages entrepreneurs to build financial services on blockchain technology. This program emphasizes expanding the use of stablecoins beyond the U.S. dollar, tokenizing various assets like stocks, and creating consumer applications, including AI-driven financial agents. The initiative reflects a broader movement aimed at integrating blockchain solutions within the financial industry, especially as U.S. lawmakers are working towards more definitive regulations regarding crypto, particularly in stablecoins. Base, an Ethereum overlay blockchain associated with Coinbase, is committed to fostering innovative on-chain businesses to enhance global economic participation. The application process for startups aiming to join this initiative has officially commenced as of September 23, 2025.

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