By 2026, stablecoins will have become the most liquid assets globally, but the real problems arise when you actually try to use them for payments.

Let's start with the most painful points:

**You still need to top up before transferring**. Want to send USDT? You first need to buy ETH or TRX to pay for the transaction fee. For beginners, this is a nightmare. Why does transferring a coin have to be a two-step process?

**Fees are completely unpredictable**. When the mainnet is congested, fees skyrocket like a rocket, making small payments immediately unprofitable. It might be cheap today, but tomorrow it could be outrageously expensive.

**Confirmation speed is really slow**. Sometimes it takes several minutes for a transfer to finally settle, which is simply unacceptable in payment scenarios.

In plain terms, current public blockchain architectures are not designed for everyday "currency payments" at all. If stablecoins truly want to replace traditional payments, these issues must be fundamentally addressed.