This is exactly how you bootstrap payment rails to compete with Visa/MC. Merchants would do anything to reduce the 2-3% they’re bleeding to the card schemes. Everyone focuses on consumer adoption, but merchants push payment methods customers don’t love all the time - ACH transfers, store cards, cash discounts. If stablecoins can cut interchange from 2-3% to near zero, merchants will drive adoption through discounts and incentives. Gas stations where card fees destroy margins, high-volume retailers - get a few major players offering meaningful stablecoin discounts and suddenly consumers have a reason to figure out the wallets.