I don't think it will end up being that simple. There's going to be a middleman somewhere making bank off conversions. It cost to operate any system. Look at credit card companies, they charge businesses a fee for each transaction. My auto repair place, a couple years ago decide to pass that cost off onto customers if they opted to use a card, for example, last week we had a bill for eight hundred something. If we paid cash or check, it was 869 if we paid with the card it was 889 or something along those figures without having to pull the receipt out of the filing cabinet. I've been going there for awhile, and have written checks, but if they don't know you, they charge 35 extra if you write a check in case it bounces. Even if at first, to get people using stablecoins, there's no cost involved, it won't last, someone has to pay the middleman eventually.