Stablecoins settled more value than Visa last year. Most people still think they're "just for trading." What did they get wrong?

The narrative most people have: stablecoins are a place to park money between trades. A pit stop.

The reality that's forming: they're becoming the actual rails money moves on — payroll, remittances, B2B settlement, savings in countries where the local currency is on fire.

Curious where this room lands. Is "stablecoins are just for traders" already outdated, or is the real-world usage still mostly hype? What are you actually seeing?