On-ramping for small merchants: Too much friction still?

It feels like we're still missing truly seamless, low-fee on-ramping for stablecoins, especially for smaller businesses looking to accept payments directly. Banks are slow, and many crypto-native solutions still feel clunky or have hidden costs when converting back to fiat, which is often necessary for day-to-day operations. Is the tech truly mature enough for widespread merchant adoption, or are we still over-promising on the ease of use? Push back if you disagree, but $LDO's current struggle around $0.296 doesn't exactly scream mainstream utility yet.