Group 1 - The core viewpoint is that payments are expected to be the next significant use case for the cryptocurrency industry, with a focus on stablecoins and cross-border transactions [1][2] - Coinbase's CEO highlighted the $40 trillion annual volume of cross-border payments, with 75% being business-to-business, indicating a strong growth potential for stablecoins in this area [2] - The integration of payment features into Coinbase's retail app and the new Base app is seen as a powerful development, enhancing the company's role in the payments market [2][3] Group 2 - Coinbase reported a successful third-quarter earnings, surpassing expectations on both revenue and profit [4] - The CEO is advocating for cryptocurrency market structure legislation to be passed by the end of 2025, noting a bipartisan consensus on the issue [4] - Following the earnings report, Coinbase shares experienced a 3.31% gain in after-hours trading after a 5.59% decline during regular trading [5]