Stablecoin payments will have an advantage where the existing payment infrastructure is very slow, expensive, or both. Where services like Pix or SEPA Instant are available, users simply have no reason to switch. That’s why onboarding a non-crypto audience isn’t just a matter of packaging. You need to hide the blockchain under the hood, but that’s not enough: a product that looks like regular fintech competes with Revolut or Wise. The winners will be those who hide the complexity but demonstrate a measurable advantage - cheaper, faster, or available where there are no alternatives.
