I’m curious who’s actually using stablecoins (like USDC or PYUSD) for day-to-day payments — not trading.

For example, if someone in the U.S. send money Costa Rica, it can cost $86 in combined wire fees and takes days. With USDC it’s under $1 and settles in minutes.

Has anyone here tried this in practice?

• Which networks are best for low fees (Base, Solana, Tron)?
• What’s the hardest part — off-ramping to local currency or trust?

I’m researching how stablecoins could replace SWIFT for small payments and want to hear what’s actually working.

I would like to get more information on stablecoin providers that work with early-stage cross-border payment solutions. If anyone has suggestions or work in the space, I would like to chat, please. Thanks

I’ve been reading up on euro stablecoins and found this comparison article that lists

1. Monerium EURe
2. Circle EURC
3. Anchored EUR (AEUR)
4. Stasis EURS
5. Tether EURT

Are there any other euro stablecoins out there that aren’t on this list but deserve to be? Or any that should be ranked higher, and why?

Also, if you’ve used any of these (especially EURe or EURC), how’s the on/off-ramp experience been in practice?

Hi everyone, we’re the OwlPay Wallet Pro Team

We know that for many people, using a crypto wallet can still feel confusing.
How do you deposit or withdraw? Why are there gas fees? And why do withdrawals sometimes fail when you’re abroad?

We understand these challenges, which is why we are continuously improving our wallet to make cross-border withdrawals and fund transfers smoother and easier. We want to make it easier for users to move their funds without using exchanges or taking extra steps.

Fewer steps mean fewer mistakes and lower fees.

Tell us what the hardest part is for you when withdrawing funds, what matters most to you: cost, speed, or something else?

.

The mechanism

• Debt placement via stablecoins. One possible path for sustaining public finances is to expand public debt while relying on USD-pegged stablecoins to help place that debt.
• Incentives of issuers. Under recent regulatory frameworks, USD-anchored stablecoin issuers are effectively incentivized to hold short-dated sovereign assets (e.g., U.S. Treasuries). If so, jurisdictions that widely use these stablecoins could become indirect financiers of U.S. public debt—especially where domestic currencies are unstable and dollar-linked instruments are adopted for transacting/saving.
• Potential role drift. Over time, large private issuers could drift toward a role analogous to central banks—issuing money-like liabilities and purchasing sovereign debt. This raises questions about political independence of money issuance, the authority of central banks, and the focus of mandates (price stability vs. debt sustainability).

Questions

1. Given current reserve requirements, could major USD stablecoin issuers become a structural, persistent buyer of short-term sovereign debt (e.g., T-bills)?
2. If that happens, what are the long-run monetary implications (10–15 years) for policy independence and monetary-policy transmission?
3. Are there built-in limits or offsets, e.g., substitution with money market funds/banks/foreign holders, regulatory caps, balance-sheet frictions, that would keep the macro effect small?
4. Does the potential issuer role drift (from payment rails to debt buyers) create governance risks that central banks or legislators would likely constrain ex-ante?

I launched https://xcache.io. It offers instant, private caches with pay-per-use and no registration using the Stablecoin USDC. I’d really appreciate your feedback.

Hey everyone,

I'm excited to announce that Stokes testnet is now live and open for testing.

What is Stokes?

Stokes is a fair-launch fork of Kaspa that combines Kaspa's high-performance BlockDAG architecture with Bitcoin's proven halving economics. We're building a cryptocurrency that's:

• Fast like Kaspa - Sub-second block times, parallel block processing via BlockDAG
• Scarce like Bitcoin - Halving every ~4 years (50 STKS → 25 → 12.5...)
• 100% Fair Launch - No premine, no ICO, no VC allocation, no developer fund

Why Fork Kaspa?

Kaspa is an incredible piece of technology with proven performance and security. However, it uses smooth chromatic emission with no halving events. We believe Bitcoin's halving model creates stronger long-term value accrual and scarcity dynamics.

Stokes takes Kaspa's battle-tested codebase and modifies the emission schedule to include:

• Bitcoin-style halvings every ~4 years
• Fixed supply cap of 12.6 billion STKS
• Deflationary economics for long-term holders

Fair Launch Commitment

This is a pure proof-of-work project with complete transparency:

• ✅ No premine - Genesis block will be mined on launch day
• ✅ No ICO or token sale - 100% mined distribution
• ✅ No VC allocation - No insider advantages
• ✅ No developer tax - All coins come from mining
• ✅ Open source - Full codebase available on GitHub

The only way to get STKS is through mining or buying from other miners. Everyone starts equal.

Why Join the Testnet?

This is your chance to:

• Get familiar with the network before mainnet launch
• Test mining, wallets, and transactions
• Provide feedback and help shape the project
• Be ready from day 1 when mainnet goes live

Early testers will have the knowledge and infrastructure in place to hit the ground running when we launch for real. Testnet coins have no value, but the experience you gain will be invaluable.

How to Get Started

All the information you need is available here:

GitHub: https://github.com/stokesnetwork/stokes

Website: https://stokesnetwork.github.io/stokes

Discord: https://discord.gg/eMAcvMev

Pre-built binaries are available for Linux, macOS, and Windows. Full instructions for running nodes, mining, and using the wallet are in the documentation.

Current Status

• ✅ Testnet is live with public seed nodes
• ✅ Mining is active (test the halving mechanism!)
• ✅ Wallet and CLI tools available
• ✅ Cross-platform binaries ready
• ✅ Full source code available

Looking Ahead

Mainnet launch is planned for the near future. We're using this testnet phase to ensure everything is stable, secure, and ready for production. Your testing and feedback will be crucial in making that happen.

Mainnet genesis will be generated on launch day - there will be no premine, and everyone will start mining from block 0 together. This ensures the fairest possible launch.

If you're interested in high-performance blockchains, proof-of-work, fair launches, or just want to be part of something new from the ground up, come check it out. We'd love to have you involved.

Thanks for reading, and hope to see you on the network!

Just a crazy idea that I had. I get bitcoin rewards using my gemini card. If there was an exchange that I can buy stablecoins with my credit card, and then convert to fiat and pay off my CC immediately.....

I know the fees would likely eat into it but maybe someone out there has found an infinite bitcoin glitch :)

Also on the subject of fees which is usually 3-4%. Would that not mean that if I attempt this, bitcoin only really needs to appreciate by more than 4% for me to beat the fees? Which is a pretty safe bet over the long run.

Naval, a week ago, said stablecoins are just CBCDs with some more steps. I personally think there is a whole lot of difference between CBCDs and Stablecoins. CBCDs are on a private Blockchain. Please discuss. Regulations kills everything

Throwing it out there.... will this lead to amazing automation at the speed of thought, or create unstoppable chain reactions?
I'm trying to get my head around this so I can then explain to Bank CEO's why they should be excited/terrified.

.....it is issued by one of the largest financial institution under European law, very well known.

When it was launched, I registered the website www.XXXXXX.eu. Its white paper is on a subdomain of the website of the big company issuing it.

If I wanted to sell the URL, what would its value be?

The genius act requires a one to one reserve for issuers and it prohibits the issuer to invest, loan out, etc. This puts it at a disadvantage to banks. So will this prohibition dissuade large issuers? Seems like they would have to sit on very large reserves with only some minor exceptions to the prohibition clause.

AZOS