小商户的入金摩擦点

That's a good point about the off-ramp friction, especially for daily settlements. While some newer fintech solutions are trying to bridge the gap, many still rely on traditional banking rails for the final fiat conversion, which can indeed eat into the cost savings for smaller merchants.

Most small merchants won't bother with stablecoins until the off-ramp is as simple as a Venmo transfer, and right now, it's not. The tax implications alone are a headache they don't need.

It seems like the crypto world is still in that awkward teenage phase where it promises you the moon but then asks you to pay for the rocket fuel with a wheelbarrow full of pennies and a trip to the bank. "Lower fees," they said. "Just bypass the old system," they said. Yet here we are, still talking about bank transfers.