On-Ramps: Still the Core Bottleneck for Mainstream Stablecoin Adoption

I've been watching the stablecoin space closely, particularly how quickly new bridges and settlement layers are being developed. It's impressive, no doubt. But for all the talk about enhanced transaction speeds and reduced costs for fintechs and merchants, the real choke point, to my mind, remains the on/off-ramp experience. We can build the most efficient settlement rails in the world, but if getting fiat into and out of those stablecoins is clunky, expensive, or slow for the end-user – or worse, for a business dealing with scale – adoption will perpetually be stunted. The $EURGBP just hovering around 0.85413 today shows how established FX flows are, and $FI at 63.8 reminds us that traditional financial services are still the default for many. Until the on-ramp experience rivals or surpasses the ease of traditional banking transfers, many of these innovative settlement solutions will remain niche. Am I missing something crucial here? Push back on this thought.