STABLECOINS COULD SUPERCHARGE RETAIL MARGINS

Summary from the TLDR Crypto newsletter

A Shopify unit economics breakdown shows stablecoin payments already deliver higher implied gross margins (30%) than credit cards (22%) despite a slightly lower take rate. Cross-border USDC rails eliminate costly FX fees (up to 1.25%) and settlement delays, offering faster and cheaper merchant payouts. With big-box retailers like Walmart and Costco operating on razor-thin 2–3% profit margins, even a 1–2% reduction in payment fees could boost bottom lines by 50%+, making merchant-issued or integrated stablecoins an obvious next step.