According to @LexSokolin, every payments company will have a stablecoin strategy by 2026 due to customers losing 2 to 3 percent on cross-border fees and waiting 3 to 5 days for settlement (source: @LexSokolin on X, Dec 21, 2025). He states that DeFi rails can settle in about 12 seconds for roughly $0.02, highlighting a clear cost and latency advantage over traditional rails (source: @LexSokolin on X, Dec 21, 2025). Traders can monitor payment companies announcing stablecoin strategies and cross-border pilots into 2026 based on this stated efficiency gap (source: @LexSokolin on X, Dec 21, 2025).