At Meridian, Stellar makes the case that utility should drive the network

The Stellar network is shifting its focus toward real-world utility, which could significantly impact how retailers handle cross-border payments and consumer credit. For merchants, this means the infrastructure behind 'invisible' payments is becoming more efficient. Rather than focusing on speculative crypto, the network is prioritizing stablecoins and smart contracts that facilitate instant settlement. This is particularly important for businesses looking to offer financing or payment options across different countries without the typical three-day waiting period or high wire fees. For operators, the takeaway is that blockchain technology is moving into the 'plumbing' of everyday finance. This infrastructure supports faster Buy Now, Pay Later (BNPL) disbursements and lower-cost credit facilities by removing intermediaries. As these networks mature, they allow for more flexible lending products that can be deployed globally with less friction. The goal is to make the technology so seamless that neither the merchant nor the customer realizes a blockchain is being used to move the funds. This shift toward utility-driven networks suggests that future financing tools will be faster, cheaper to maintain, and more accessible to a global customer base.

Source: Tearsheet

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