#BigTechStablecoin if will not start with a law. It will start with your phone. You will update an app, not because you want to, but because it will not open until you do. Suddenly, Google Pay, Apple Wallet, even Airbnb will prompt you to pay in stablecoins. Not just as an option, but by default.

The first time you notice it, it seems like a benefit. No conversion fees. No delays. No unexpected fees when booking a room in Warsaw or when tipping.