According to @LexSokolin, Canada has confirmed Real-Time Rail will launch in 2026 alongside new stablecoin regulations, marking a shift from hype to real payment infrastructure, source: @LexSokolin. He states stablecoins now account for over 60% of on-chain transfer value and operate 24/7 with instant cross-border settlement, expanding from crypto trading into real commerce, source: @LexSokolin. He cites US federal stablecoin oversight via the GENIUS Act and the EU’s MiCA being live, with Canada adding rules alongside RTR, framing regulatory convergence around stablecoin payments, source: @LexSokolin. He warns most banks remain focused on speed while legacy fraud, credit, and AML stacks are siloed and too slow for real-time rails, as AI-enabled attacks leverage deepfakes, credential stuffing, and smart-contract laundering, source: @LexSokolin. He highlights Oscilar’s unified decision engine that correlates identity, transaction, and blockchain signals in under 100 milliseconds for real-time stablecoin risk controls, relevant for traders monitoring USDT and USDC liquidity and exchange spread dynamics, source: @LexSokolin and Oscilar blog.