Retail & Merchant Adoption: Making Stablecoins Sticky in Everyday Banking

The economics of retail payments are undergoing a fundamental reset. For decades, merchants and consumers have been locked into card networks that impose 3–5% merchant processing fees, delayed settlement, and limited transparency. That model is breaking. This session explores how bank-issued and bank-integrated stablecoins can be embedded directly into point-of-sale (POS) systems—both in-store and online—to deliver instant settlement, materially lower transaction costs, and programmable payment flows.