This story was originally published on HackerNoon at:
https://hackernoon.com/stablecoin-payments-are-easy-until-the-customer-uses-the-wrong-chain.
Stablecoins solved volatility for crypto payments, but chain fragmentation created a new checkout problem: the right token can still be on the wrong network.
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Stablecoins made crypto commerce easier, but they did not solve chain fragmentation. A better checkout lets customers pay with what they already hold while merchants receive the asset and network they actually want, ideally through direct wallet settlement instead of custodial balances.