Stablecoins could emerge as a major competitor to credit cards in Web3 payments. Pegged to assets like the USD, they offer price stability, unlike volatile cryptocurrencies. Their blockchain-based nature enables fast, low-cost, borderless transactions, bypassing traditional banking intermediaries. This efficiency appeals to Web3 users seeking decentralized, seamless payment solutions. Credit cards, while widely accepted, often incur high fees, slower settlement times, and rely on centralized systems, which contrast with Web3’s ethos of decentralization. Stablecoins like USDC or Tether are already integrated into DeFi platforms and NFT marketplaces, gaining traction for peer-to-peer and merchant payments. However, challenges like regulatory scrutiny, scalability, and mainstream adoption remain. Credit cards benefit from established trust and infrastructure, but as Web3 ecosystems grow, stablecoins’