Thoughts on Stablecoin Adoption for Business Payments

Been following the stablecoin space for a while now, specifically how it's poised to impact fintechs and merchants. The talk around settlement speed and reduced fees is compelling, especially for cross-border transactions, but I'm curious about the real-world adoption rate beyond crypto-native businesses. What are the actual hurdles remaining for mainstream integration, particularly regarding regulatory clarity and user-friendliness for non-crypto savvy businesses? It feels like there's still a gap between the theoretical benefits and the practical implementation for a typical merchant.