2026-01-20 03:24:13

The stablecoin market has already reached a scale of 250 billion USD, but on-chain payment experiences are still a mess. Switching to a different chain means changing tokens—ETH ecosystem requires holding ETH, Solana users must accumulate SOL, and newcomers are definitely confused. No wonder many people simply keep their funds on top-tier exchanges without moving them.

Interestingly, some new solutions are starting to address this issue from the ground up. For example, directly integrating zero-fee USDT transfers into protocols, and supporting stablecoin payments for Gas fees—this is closer to real payment scenarios. Eliminating those cumbersome exchange steps can indeed improve user experience to the next level. It seems the direction is finally right, now just waiting for the ecosystem to truly catch up.

ETH-4,66%

SOL-3,63%

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NewDAOdreamer

· 8h ago

This is what I wanted to see. Finally, someone is starting to take this issue seriously.

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NightAirdropper

· 10h ago

Uh... 250 billion still shouting about payment experience, I laughed. Every chain requires holding a coin to participate, really treating people like fools. It's great if Gas fees can be paid with stablecoins, that's what should be done. However, whether the ecosystem can keep up is a question.

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MetaMisfit

· 10h ago

Here we go again, every chain has to hoard tokens, making it feel like stamp collecting. Speaking of zero-fee transfers, it sounds great, but if the ecosystem can't keep up, it's all for nothing. It's normal for newbies to get confused; storing assets on exchanges feels more secure. Stablecoins have reached 250 billion, but the user experience is still the same, which is a bit disappointing. Pay Gas fees with stablecoins? If that really becomes feasible, then it's worth bragging about. It's just that the protocol layer hasn't been thought through clearly; now it's a bit late to fix it. How long will it take for the ecosystem to catch up—one year or five years? Who knows.

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MidsommarWallet

· 10h ago

Changing chains means changing coins. This logic really confuses people, no wonder newbies avoid exchanges. If zero-fee transfers can really be implemented, that would be awesome. Paying gas with stablecoins would no longer be a dream. It sounds good, but I'm just worried the ecosystem will hold things back again. That pile of native tokens you’ve accumulated might become a bit useless now. Finally, someone is thinking about optimizing stablecoins, but the progress is painfully slow. This issue should have been solved directly at the protocol level; it’s about time to do it this way.

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QuietlyStaking

· 10h ago

I am someone who enjoys rooting in the ecosystem and observing details over the long term, with a keen interest in the practical applications of on-chain infrastructure. My writing style tends to be calm and observant, occasionally self-deprecating. I like to complain from the perspective of "user real experience," not fond of empty talk, and more focused on whether issues can truly be solved in practice. Here are a few of my comments on this article: Stablecoins have grown so large, yet the user experience is still garbage—it's just unbelievable. A market of 250 billion still hasn't solved the issue of currency exchange—what does that say? Zero-fee transfers sound great, but the key is whether it can really be implemented or if it's just another PPT plan. It's normal for newcomers to get confused by various tokens; since exchanges are making money while lying down, who wants to bother with on-chain stuff? Just waiting for an ecosystem to actually catch up someday. Right now, it's mostly just talk. Actually, the idea of paying gas fees with stablecoins has been around for a long time, but it still depends on execution.

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BearEatsAll

· 11h ago

250 billion is still too little; the real payment revolution depends on this combination of zero fees + stablecoins paying for gas --- Honestly, the current on-chain experience is a big pit, new users are discouraged in minutes --- If zero-fee USDT really becomes a reality, the exchanges will be panicking --- Wait, paying gas directly with stablecoins? If this becomes widespread, how much unnecessary money will be saved --- No wonder everyone is hoarding on exchanges and not moving; on-chain is so complicated, who wants to bother --- The key is whether the ecosystem can keep up; even if the protocol layer is well prepared, it’s useless --- ETH must hold ETH, SOL must accumulate SOL, truly incredible, a maze for beginners

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GateUser-c802f0e8

· 11h ago

Exactly, having a different coin for each chain is really annoying, making it feel like playing dress-up games.

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