USDC and Euro Coin, as stablecoins, are positioned to revolutionize digital payments by offering programmable money that enhances the efficiency and accessibility of financial transactions globally. At the Converge22 session, experts highlighted the potential of stablecoins to serve as a fundamental tool for merchant solutions, providing faster, cheaper, and scalable payment options that transcend the limitations of current financial systems. USDC, in particular, offers benefits such as near-instant settlement, irreversibility, and low-cost infrastructure, making it an attractive option for businesses seeking to streamline operations. It acts as a flexible development platform that encourages innovation and global access, overcoming the constraints of traditional "walled garden" payment networks. As stablecoins gain traction, regulatory challenges and the need for developer adoption remain primary hurdles, but ongoing collaboration with regulators and advancements in user-friendly applications are paving the way for broader acceptance. The ultimate goal is to modernize payment systems, enhance financial inclusion, and create new opportunities for economic growth, particularly in emerging markets and among the unbanked population.