According to Zac_Pundi, choosing the optimal stablecoin for onboarding the next million crypto users is critical for payment adoption. Current market data from CoinGecko and DeFiLlama shows that Tether (USDT) leads in liquidity and acceptance across major exchanges, making it highly suitable for high-volume transactions and cross-border payments (source: CoinGecko, DeFiLlama). USD Coin (USDC) is preferred for transparency and regulatory compliance, which could attract institutional traders and merchants in regulated markets (source: Circle, CoinGecko). DAI offers decentralized stability and is favored by DeFi participants seeking non-custodial solutions, though it has lower transaction volumes compared to USDT and USDC (source: MakerDAO, DeFiLlama). For traders, USDT currently offers the highest liquidity and lowest slippage, while USDC is optimal for compliance-sensitive environments. The choice of stablecoin will impact transaction speed, fees, and overall user adoption in the crypto payments space.