As someone in payments, I frequently encounter both excitement and skepticism regarding stablecoin adoption. What do you all see as the biggest hurdles for broader integration of stablecoins like $USDC into mainstream commerce and finance? Is it regulatory uncertainty, user experience, or something else?
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.
It's a combination. Regulations scare institutions, but consumers won't care if the UX isn't dead simple. You need both sides to move forward.
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.
Honestly, I think liquidity and the current banking system's inertia play a bigger role than people realize. It's hard to displace established networks.
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.