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💸🔄 Stablecoins Everywhere? Without Smart Design, Fees and Currency Swaps Could Hit Your Wallet! ⚠️
⚖️ If Every Institution Makes Its Own Stablecoin — What Happens?
Fragmentation Risk Exists: Fees
If banks, companies, or governments create separate
stablecoins, people might constantly swap between currencies — like moving from Bank A Coin to Bank B Coin to Government Coin.
Fees Can Stack Up:
Every swap (conversion) often carries a small transaction fee.
If stablecoins aren’t interoperable, platforms might charge extra for moving between them.
High-frequency swapping = more hidden costs for regular users.
But There’s a Smarter Way — Interoperability
The genius move many advocate is:
All stablecoins operate on shared networks (like Ethereum, Solana, etc.)
universal wallets auto-convert between stablecoins seamlessly
Regulated fee structures prevent excessive charges
Example:
You buy coffee with Retail Coin, but only hold Bank Coin — your wallet swaps it in seconds, minimal or no fee if systems are aligned.
💡 Bottom Line
If done poorly, yes — constant changing, hidden fees, confusion.
If designed smartly, stablecoins create an easy, fast, almost invisible system where value flows smoothly between people, banks, and companies — no stress for individuals.
Key? Regulators must enforce interoperability and fair fees, or else stablecoins could create as much hassle as they solve. $WCT