Overview
Apple Pay and Google Pay streamline card payments in consumer wallets. Stablecoins offer peer-to-peer transfers with faster settlement and transparent receipts.
Fees and Settlement
Wallets rely on card fees and batch clearing. Stablecoins incur network fees and settle quickly with clear hashes.
Acceptance and Reach
Apple and Google Pay have broad merchant acceptance. Stablecoin acceptance is growing via gateways, plugins, and POS terminals.
Features and UX
Card wallets emphasize tap-to-pay and tokenization. Stablecoins enable programmable invoices, global transfers, and on-chain receipts.
Trade-offs and Coexistence
Stablecoins win on settlement and cross-border economics. Card wallets win on ubiquity and consumer protections. Many merchants will support both.
Conclusion
Stablecoins will complement rather than fully replace Apple and Google Pay in the near term. Expect increasing overlap as acceptance expands.