#WYSTStablecoin Foresight Ventures Latest Stablecoin Overview: Why Non-Crypto Users Are the Next Frontier for Stablecoin Integration
Stablecoin payments offer faster settlement times and lower fees than traditional methods.
The technology stack breaks down into four layers: Application, payment processors, asset issuers and settlement.
Major payment gateways now integrate with popular financial services, enabling both developer and consumer adoption.
US payment services giant Stripe now integrates USDC for global transactions. MetaMask enables fiat-to-crypto on/off-ramps via third-party services.
Crypto payment platform Helio supports 450,000 active wallets and 6,000 merchants, with the Solana Pay plugin allowing Shopify. This shows large-scale adoption among merchants.
The use of crypto cards—developed in partnership with Visa and Mastercard—is on the rise. These cards empower users to seamlessly transact with stablecoins at traditional merchants.
Asset issuers innovate with static reserve-backed, yield-bearing and revenue-sharing models.
Revenue-sharing stablecoins from Paxos, M⁰ and Agora align incentives by distributing transaction fees and interest income among ecosystem partners.
Settlement layers on multiple blockchains allow for instant and cost-efficient transactions. Blockchains, like Solana and Tron, enable near-instant settlement and low fees.
Enterprise adoption revolves around efficient treasury management, integrated KYC processes and on-chain yield opportunities.
Non-crypto users benefit from intuitive interfaces and the integration of stablecoin payment options within mainstream apps.
A future shift may see consumers hold capital on-chain, as risk management and yield opportunities improve.
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