According to @Nick_van_Eck, Stripe’s next announcement will enable true retail pay with crypto without abstraction by not using Visa settlement rails; source: @Nick_van_Eck. He states that current stablecoin spending via Rain or Kulipa still settles to Visa rails, which he contrasts with Stripe moving settlement to its own Tempo payment rail; source: @Nick_van_Eck. He adds that Stripe can use Privy to spin up merchant wallets on Tempo and cut out Visa completely, shifting settlement to Stripe’s infrastructure; source: @Nick_van_Eck. He expects Stripe to charge roughly 1-1.5% on these crypto payments, calling it a modest improvement over Visa rather than driving fees toward zero; source: @Nick_van_Eck.