Industry Drivers: Stablecoins/Card Rails, AI, Compliance Maturation

Stablecoins and L2s lowered marginal costs for small/high-freq transactions; card rails and compliant prepaid schemes moved “on-chain value → offline spend” from pilot to daily reality.

AI/Agents now power cross-language chat, interest matching, content routing, and risk detection behind the scenes, giving near-Web2 smoothness up front.

Regulation is shifting from uncertainty to workable boundaries, favoring verifiable data trails and closed-loop risk. Technology, compliance, and UX are improving together—fertile soil for social-payments scale-out.