The Importance of Stablecoins

If all electronic money is commercial bank money and you don't have a bank account, then basically you are disenfranchised. So it is important that there are digital instruments that do not require a bank account for people to interact with the economy. The cost of payments in general in the world is around 200 to 300 basis points on the market, so 2% to 3%. One of the actors that is active in stablecoins today is Circle. They publish some information on the ecosystem of USDC where they were publishing the cost of transaction with a stablecoin in different networks. In several cases, in several protocols was less than one cent per transaction. We are very inefficient to do with existing payment rails