In March, when Meta announced plans to begin paying creators in USDC across Colombia and the Philippines, with expansion to more than 160 countries expected by the end of the year, the move was widely interpreted as another milestone for stablecoins entering the financial mainstream. A company responsible for nearly $3 billion in annual creator payouts choosing onchain settlement over traditional banking rails is unquestionably significant. What Meta introduced, however, was not a complete payments experience. It was a faster way to move money between accounts.