Fernando from DolarApp here.

To add some context: our clients in LatAm use DolarApp to spend internationally with a card at the best rates, send and receive cross-border transfers (not just remittances, but also payroll), and to keep their savings pegged to the dollar. Stablecoins let us deliver a much better user experience and significantly lower fees — in some countries, up to 10x better than incumbents.

That said, most of our users don’t care about the underlying infrastructure. They care about the benefits. It’s similar to how someone using a bank card at an ATM doesn’t know (or care) that the system might be running on COBOL.

We see it as our job as product people to absorb that complexity so our users get the benefits without having to deal with the complex mechanics behind them. That’s what we believe is helping unlock a platform shift.

Why did this need blockchain? Why could you not use a central private e-money system w/ a good API? It sounds like you think they don't really care about the implementation?