ETHPrague 2026

Stablecoin payments are scaling quickly, but the user experience around recipient addresses is still lagging behind. In many new products, sending money still depends on copying and pasting long wallet addresses that most users cannot securely verify. That may be technically functional, but it is not a trustworthy payment experience.

If stablecoin payments are meant to serve mainstream users, the address layer cannot remain built around raw hexadecimal strings. Payments need an identity layer that is intuitive and trustworthy: a global pointer that can make onchain interactions easier to understand.

Crypto wallets and apps have already shown what better onchain UX can look like. Human-readable names make payments easier to understand, reduce friction at the point of sending, and create a more natural user experience. But usernames alone are not enough if they are locked into a single app. The real opportunity is interoperability through human-readable addresses that can function on different payment surfaces.

Without that interoperability, many stablecoin products risk recreating the same surface-level familiarity of traditional fintech while continuing one of crypto’s biggest usability failures underneath. For this system to scale, we also need to understand the integration pain points facing TradFi apps, and build tools that are easy to adopt by real-world payment products. If the industry wants stablecoin payments to feel truly global and intuitive, interoperable naming must be treated as a foundational part of payment infrastructure rather than an optional UX feature.