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Como alguém da área de pagamentos, frequentemente encontro tanto entusiasmo quanto ceticismo em relação à adoção de stablecoins. Quais vocês veem como os maiores obstáculos para uma integração mais ampla de stablecoins como $USDC no comércio e finanças tradicionais? É incerteza regulatória, experiência do usuário ou outra coisa?
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.
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 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.
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.
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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