The stablecoins, those “stable” cryptocurrencies designed to maintain a constant value against the dollar or other currencies, have been seen by many as the next big revolution in digital payments. But according to Guillaume Poncin, CTO of Alchemy, there is a factor that could hinder their mass adoption: consumer protection. 🛡️

Poncin states that, although stablecoins offer speed, transparency, and global access, they still will not replace traditional payment platforms like Visa or Mastercard unless they incorporate robust protection measures for their users.

💡 Why is this so important?

  • Today, consumers trust that their payments will be secure and that they will have clear mechanisms to dispute fraudulent transactions.

  • Stablecoins, being decentralized, do not always offer these protections automatically.

  • Without these guarantees, mass adoption is limited, as users seek trust as much as speed.

🌐 The challenge for the crypto industry:
For stablecoins to truly compete with financial giants, they must evolve. This includes:
1️⃣ Implement advanced security protocols.
2️⃣ Create clear refund and dispute resolution systems.
3️⃣ Improve regulation and transparency to earn the trust of users and businesses.

🔥 The exciting part:
Although there are still obstacles, each advance in security and regulation brings stablecoins closer to becoming a real option for daily payments. Imagine a world where you buy your coffee ☕ or pay your bills 🌍 with a backed and secure stablecoin, without banking intermediaries… the future may be closer than we think!

📈 Reflection for crypto investors and enthusiasts:
Consumer protection is not just a legal or ethical requirement: it is a catalyst for adoption and growth. Stablecoins that manage to combine speed, stability, and security could lead the next era of global payments.

💬 Ask the community:
Do you think stablecoins will be able to compete with traditional cards in the next 5 years if consumer protection improves? Share your opinion 👇

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