Are stablecoins a threat to traditional payment processes?
In this video, Walter Scott client investment manager George Dent argues that despite their growing popularity, stablecoins are not likely to usurp traditional payment methods such as credit cards soon – especially when it comes to everyday retail payments.
2:40 mins Watch
Published on 19 September 2025
Key points:
- Stablecoins, linked to fiat currencies, offer payment stability but compete with traditional payment methods like credit cards by enabling cheaper global money transfers, especially for crypto trading firms.
- But credit cards maintain advantages such as wide acceptance, loyalty programmes and consumer protections, making stablecoins less appealing for everyday retail and travel payments.
- Major payment networks such as Visa and MasterCard are integrating stablecoins into their platforms, reducing the threat they pose to traditional payment processors.
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