Co-founder of Lopay here, we're a small but heavy Stripe user with £1B+ processed across Connect, Terminal, Identity, Instant payouts, Issuing... you name it.

We're looking at stable coins for the following use cases:

1. Instant clearing and settlement of 'floats' & liquidity - EG moving liquidity between our network to support instant/same day payouts or instant funding of a spend card.

2. Instant cross border payments (lots of people doing this already in companies that operate multinationally). EG, our USD top-ups today take 3 days in fiat, which can cause operational issues.

3. Offering our merchants (who are typically small businesses) optionality to hold USD in countries that have volatile currencies.

I'll also note that many people forget that the cost of a payment network isn't merely the movement of money, it's also KYC, dispute resolution, fraud prevention etc...

I wonder if the tempo team has looked at AI automating dispute resolution and fraud detection/prevention 'on chain'.. The network could fund the compute required for the AI to complete these tasks.