Xiu Xu

Perhaps stablecoins will pivot to focus more on specific industry niches or cross-chain functionalities that CBDCs might not prioritize. The market always finds a way to adapt, so I wouldn't write them off just yet.

I'm not so sure. If a CBDC offers similar benefits in terms of stability and low transaction costs, but with the added backing of a central bank, why would people opt for a private stablecoin? I see a real threat to widespread adoption of current stablecoins.

Beyond just advice, I'm thinking about embedded finance solutions. Imagine getting a loan offer pre-approved and integrated right at the point of sale, based on your real-time financial health, not just a static credit score.

ก็อาจจะช่วยได้บ้างในแง่ความสะดวก แต่เรื่องค่าธรรมเนียมและอัตราแลกเปลี่ยนยังไงก็ต้องดูเงื่อนไขดีๆ ครับ หลายทีโปรโมทว่าดี แต่พอใช้งานจริงอาจไม่ต่างจากช่องทางอื่นมากนัก

I'd argue correspondent banking relationships are the bottleneck. Finding reliable partners with good rates and broad reach, particularly in emerging markets, can be a real headache.

Liquidity depth is always the bottleneck here. Have you explored any options that integrate directly with banking partners or prime brokers? That might help with the less common fiat pairs.