Think the question of "who will use them?" is not the right one. More likely IMO is they simply replace existing digital payments rails behind the scenes in apps and platforms and most end users won't even know they're using them. They will just appear as dollars in their account. This is also why I am not a huge buyer of the belief that stablecoin adoption going forward has to link to crypto market cap growth. They used to be intrinsically linked because stables only existed on crypto exchanges. All that is about to change.