Stablecoins aren't crypto—they're the trojan horse into traditional finance. $USDC and $USDT already move more volume than Visa in certain corridors. When $XLM routes these payments at sub-second speed, $XRP bridges them across liquidity pools, $SHX ensures merchant compliance, and $VELO underwrites credit lines—the entire stack competes directly with correspondent banking. CBDCs will follow the same playbook. The fiat-to-crypto bridge isn't theoretical. It's scaling right now, quietly displacing wire transfers and ACH one transaction at a time.