A business owner asks whether she should use crypto for cross-border payments even though all her suppliers and contractors are based in the US. What is the most accurate response?

The main cost and speed advantages of stablecoin payments come from bypassing the correspondent banking system used for international wire transfers, which is slow and expensive. US domestic bank transfers via ACH are already fast, low-cost, and reliable. The efficiency gain over existing US bank rails is smaller, so the case for switching is less obvious for many domestic-only businesses.