Will stablecoins become the 'default option' for global payments?

—— This matter that Apple, Google, Airbnb, and Musk are discussing may change the way we use cryptocurrencies.

🧭 Introduction: The quiet approach of a 'payment revolution'

Recently, it has been reported that Apple, Google, Airbnb, and Musk's X are in preliminary talks with several cryptocurrency companies to explore the possibility of integrating stablecoins into payment systems.

What seems like an ordinary industry chain message may actually be the prelude to a 'restructuring of the global payment landscape.'

🌍 1. Why stablecoins?

In terms of payment efficiency, stablecoins are like 'putting wheels on blockchain':

They are pegged to fiat currency prices, no longer experiencing wild fluctuations, resulting in lower psychological costs for users;

Transactions are almost instantaneous, with no need for intermediary clearing;

Even in regions that are hard to reach by traditional banks, 'wallet-to-wallet' fund transfers can be completed.

Compared to traditional cross-border payments, which can take 3 to 5 days to settle and charge fees as high as 3% to 8%, the advantages of stablecoins are almost overwhelming.

This is precisely the reason why major platforms 'have to discuss' it.