Stablecoins could revolutionize B2B payments by offering a more efficient alternative to traditional banking systems. Currently, businesses lose an estimated $300 billion annually to credit card interchange fees and an additional $25 trillion in B2B payments incurs 3-4% in wire fees and delays. The article argues that while stablecoins, which allow for near-instant transactions and minimal fees, are a viable solution, consumer behavior poses a significant challenge. Most consumers are unlikely to abandon credit cards, which offer rewards funded by those interchange fees, making the shift to stablecoins difficult. Costco exemplifies how bypassing credit card fees can improve business margins. Their CFO Richard Galanti noted that accepting credit cards would erode profits due to high interchange costs. Instead, Costco managed to negotiate its fees down to around 0.4%, while most retailers pay around 1.8%. This reality underscores the uphill battle for stablecoins, which provide 0% interchange but depend on both merchants and consumers opting in. The potential savings for businesses using stablecoins are substantial. For instance, a U.S. industrial distributor that processes $30 million in cross-border payments could save between $450,000 and $600,000 annually by switching to stablecoins. The time saved on settlements could also free up working capital, previously trapped for days in transit. Legal clarity surrounding stablecoins and improved off-ramp infrastructure are pushing adoption. B2B stablecoin volumes have surged from under $100 million monthly to over $3 billion within two years, highlighting rapid growth and interest in this payment method.