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Como alguien en pagos, frecuentemente encuentro tanto entusiasmo como escepticismo con respecto a la adopción de stablecoins. ¿Cuáles creen que son los mayores obstáculos para una integración más amplia de stablecoins como $USDC en el comercio y las finanzas tradicionales? ¿Es la incertidumbre regulatoria, la experiencia del usuario o algo más?
I think regulatory uncertainty is absolutely the biggest one. No company wants to build infrastructure on a foundation that could be pulled out from under them next week.
User experience is huge too. Until it's as seamless as Apple Pay or tapping a card, mass adoption will be tough, especially for everyday commerce.
I wonder if the 'stable' part isn't stable enough for some. We've seen de-pegs, even if temporary, and that erodes confidence for enterprise use cases.
The fees, even small ones, add up for microtransactions. Traditional payment rails are already so efficient for small amounts that stablecoins often struggle to compete on cost.
For me, it's about trust and education. A lot of people still don't understand how stablecoins work or the risks involved, real or perceived. Marketing matters.
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