Once I tried to pay a designer I hired overseas. I attempted a bank transfer, but with various intermediary banks and a delivery time of 1-3 days, I gave up on the spot.

Finally, I said to him: how about you give me a wallet address, and I'll try using USDC on @0xPolygon.
The transaction fee is less than 0.001 POL, confirmation takes a few seconds, and the other party said "Received". The whole process is even smoother than sending a red envelope on my phone.
At that moment, I finally understood why billions of dollars in stablecoins have already piled up on Polygon, with a bunch of active wallets using USDC every day.

Looking back, institutions are doing the same thing:
Stripe, Nexo, and India's Reliance Jio have all gone to Polygon to build payment systems;
Polymarket connects with X, and the trading volume generated using USDC has reached the tens of billions.
They also use real business verification: this chain is both fast and cheap, and can withstand the hassles of high-frequency settlement.
So now when I look at payment scenarios, I instinctively categorize them into two types:
Can we "leave it to a chain like Polygon for underlying settlement"?
If it can, it means this thing is moving towards the future; if it can't, it is highly likely still stuck in the old ways.