On-ramping in Stablecoins: Still a Bottleneck?

Been thinking a lot about the whole stablecoin settlement thing for merchants and fintechs. Everyone talks about the dream of instant, low-cost international transfers, and sure, moving USDC from wallet to wallet is great. But the real friction, at least in my book, is still firmly planted in the on/off-ramp. You've got $BRN trading down around 1.02 today, and while that's a different asset class entirely, it just reminds me that market volatility often puts pressure on the less liquid parts of any system. Getting significant fiat into and out of stablecoins reliably, without chunky fees or slow settlement times, still feels like the biggest hurdle for widespread adoption, especially for smaller businesses. It's one thing to say 'just use a crypto-friendly bank,' but that's not always viable globally. Are we really past the point where the on-ramp is the critical choke point, or am I just seeing ghosts?