Excellent breakdown of stablecoins as efficiency infrastructure. The insight about collapsing IOU layers really clarifies why traditional instant payments hide balance-sheet costs. I've worked with a remittance platform that struggled with prefunding, so Malik's immigration backstory rings tru. Card interoperability still feels like the hardest technical challenge tho.
Excellent breakdown of stablecoins as efficiency infrastructure. The insight about collapsing IOU layers really clarifies why traditional instant payments hide balance-sheet costs. I've worked with a remittance platform that struggled with prefunding, so Malik's immigration backstory rings tru. Card interoperability still feels like the hardest technical challenge tho.