#Binancenews 🌍💳 Payments & Stablecoin Insight

According to Odaily, 🇺🇸 AllianceDAO co-founder QwQiao shared on X that the idea of stablecoins and new payment systems replacing Visa and Mastercard overlooks a critical factor: fee distribution structure.

He explained that traditional card networks are deeply embedded in a complex ecosystem where fees are shared among banks, issuers, processors, merchants, and fraud-prevention systems. Simply offering faster or cheaper settlement does not automatically replace this infrastructure.

🌐 While stablecoins can improve efficiency and cross-border payments, they still lack the mature compliance, consumer protection, and incentive alignment that card networks provide.

⚠️ Bottom line: innovation matters, but replacing legacy systems is far more complex than it appears.