In today’s Fintech Stacks, we unpack why three major U.S. fintech players are going international all at once. Circle teams up with Dubai-based Bybit to turbocharge USDC adoption, Robinhood heads to Indonesia in search of retail-trading adrenaline, and Coinbase reopens operations in India after a long regulatory timeout. It’s a global growth sprint, a regulatory escape hatch, and a reminder that the next billion fintech users won’t come from Silicon Valley.