Carmen switched from wire transfers to USDC payments for her Portuguese supplier. Which of the following best describes what changed for both sides?

Carmen’s fees dropped from roughly $52 plus a currency exchange rate to under $2 per transfer. Her supplier received the funds the same afternoon instead of waiting four business days. Because USDC is pegged to the US dollar, the value does not change between when Carmen sends and when the supplier receives. The supplier can convert to euros at a time of their choosing, or hold in USDC. Neither party needed a specialized exchange account to make this work.