Dogecoin’s integration with PayPal (2024) and Robinhood allows 40M+ users to send DOGE as cash, lowering adoption barriers. Its 1-minute confirmation time and $0.10 fees undercut PayPal’s 2-3% transaction costs for cross-border payments. However, volatility (30-day standard deviation: 45%) and infinite supply deter merchants from holding reserves. Only 0.5% of Shopify stores accept DOGE, vs. 2% for BTC, reflecting hesitancy. Dogecoin’s role may remain as a "fun" payment option for niche markets (e.g., online gaming), struggling to displace stablecoins or CBDCs in serious finance.