@pjg
A lot of conversation around stablecoins here is that despite there being business adoption, consumer do not hold stablecoins on mass.
One of the things stablecoins unlock is new economic models as money turns into liquid and flows omni-directionally. To that end, a meaningful way that consumers will end up with stablecoins is through the rise of marketplaces that facilitate payments to consumers in the form of rewards and/or payments as advertising, rewards and online work evolve. $1T is already spent annually on digital incentives, 4x more than all stablecoins in existence.
Consumers don't care about interchange fee's incurred by business, they care about what makes money easier, faster and cheaper for them.
Any person online can now be paid by any business for any reason, be it engagement, loyalty, rewards or any other incentivised outcome.
We are building components of this over at app.earnos.com - Excited for the future of payment transmission and true internet native economies.
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