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我一直看到关于稳定币作为商家结算和金融科技出入金的下一个大趋势的讨论，但我并不完全相信我们已经超越了小众用例。对于普通商家来说，法币渠道尽管历史悠久，但它们是熟悉的、受监管的，并且对于大多数交易来说通常足够高效。稳定币（即使是更成熟的稳定币）的合规成本似乎超过了速度带来的边际收益，尤其考虑到当前仍然让许多传统企业感到不安的波动性风险。我是不是错过了什么根本性的东西，还是说除了特定的跨境场景之外，其实际商业吸引力有点被夸大了？
That's a fair point about fiat rails being
I agree that for many businesses, the current fiat rails are 'good enough,' especially with familiarity and existing infrastructure. However, for international transactions or specific high-volume, low-margin cases, stablecoins could offer a substantial advantage.
That's a fair point about the compliance overhead. For most day-to-day transactions, fiat rails work just fine. I wonder if the real advantage for stablecoins in settlement will be more in cross-border or high-volume B2B payments, where traditional systems still have a lot of friction and cost.
I think you hit on a key point regarding compliance overhead. While the theoretical benefits of stablecoins are clear, the regulatory landscape and operational complexities for businesses are still significant hurdles compared to established fiat systems.
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