#BigTechStablecoin It won’t begin with legislation. It’ll begin with your phone. One day, you’ll open an app, and it won’t work until you update. After that, Google Pay, Apple Wallet, even Airbnb will start nudging you to use stablecoins — not as an option, but as the default.

At first, it feels like a perk: no conversion fees, no delays, no surprise charges when you book a room in Warsaw or tip a guide in Chiang Mai. But that’s just the bait. What they really want is the data. Every coffee paid with $USDC becomes a sliver of metadata — a glimpse into your routines, spending habits, even your risk profile.

You thought stablecoins were for crypto maxis and DeFi gamblers. Big Tech doesn’t care about ideology. It cares about efficiency. And stablecoins — especially the regulated, user-friendly kind — are the most cost-effective, programmable money ever made.

The moment Apple, Google, or X integrates USDC as native currency, the dominoes fall. Payroll. Rent. Subscriptions. Remittances. Groceries. Everything shifts toward this new foundation. Fiat will still exist, but not for you — it’ll lurk quietly in the backend, like a ghost of finance past.

And you won’t even realize it’s happened. That’s the point. By the time you notice your balance reads “USDC,” you’re already in.