TLDR Tech / Crypto
The Stablecoin Remittance Problem: On/Off-Ramp Is the Real Bottleneck
Regan Bozman (Lattice Fund) responds to skepticism about stablecoins reducing remittance costs to zero by reframing the problem: on-ramp/off-ramp for local stablecoins will be fast and free for most Western G10 countries within 1–2 years, but the biggest unlock is changing consumer behavior to holding USD and only converting to local currency at point of spend rather than at receipt. The thread responds to the valid criticism that stablecoins only solve the money-movement leg (which is already cheap) while the last-mile conversion and cash-out remain expensive, arguing that the behavioral and infrastructure shift is coming but is the real constraint, not the rails.
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