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The world’s two biggest economies are taking opposite bets on the future of money.

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Just as "Buy Now, Pay Later" (BNPL) transformed online checkout into a frictionless credit experience, "Pay with USDC" and other stablecoin payment options will become a default feature across e-commerce, gaming, fintech, and mobile apps.

Visa, Mastercard, and AmEx all move dollars. Yet merchants, banks, and consumers choose between them for reasons that have nothing to do with the currency itself.

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