#BigTechStablecoin You’ll update an app, not because you want to, but because it won’t open until you do. Suddenly, Google Pay, Apple Wallet, even Airbnb will be nudging you to pay in stablecoins. Not just as an option, but as the default.

The first time you notice, it feels like a perk. No conversion fees. No delays. No unexpected charges when booking a room in Warsaw or tipping a guide in Chiang Mai. But that’s just the hook. What they really want is to turn every micropayment into metadata. Every latte bought with $USDC becomes a tiny shard in the mosaic of you — your habits, routines, risk appetite.

You thought stablecoins were for crypto bros and DeFi gamblers. But Big Tech doesn’t care about philosophy. It cares about margins. And stablecoins, especially the ones wrapped in regulation and frictionless UX, are the cheapest and most programmable money ever built.