Overview
Stablecoin refunds is reshaping how merchants and users move value online. This section summarises the key facts and what changed.
Why it matters
For merchants, lower settlement times and global reach are the main draws. For users, self-custody and transparent fees matter most.
What to watch next
Regulatory clarity, stablecoin adoption and wallet UX improvements will define the next 12 months of crypto payments.
Further reading: how we rate providers and our best crypto payment gateways ranking.
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