According to @LexSokolin, stablecoins are positioned to replace embedded finance because they enable real-time settlement, 24/7 operations, no legacy tech debt, programmable money, and global-by-default reach, as stated by the source. According to @LexSokolin, traditional banks, fintechs, and big tech are already betting on this shift, indicating that market adoption is underway per the source. According to @LexSokolin, these features point to trading and payments rails favoring stablecoin settlement over legacy integrations, as framed by the source.