# Interoperability with fiat

Payments are [multiplayer games](https://x.com/chuk_xyz/status/1952001048836555233). We cannot expect everyone to magically accept stablecoins. Avici makes stablecoins usable at any merchant through the Visa card. But many places either do not accept cards at all, or they come with 3–5% surcharges, extra fees, or minimum purchase requirements.

I was traveling in New York, the finance capital of the world, and ironically in [most stores](https://x.com/RamXBT/status/1811210890709962848?ref_src=twsrc%5Etfw%7Ctwcamp%5Etweetembed%7Ctwterm%5E1811210890709962848%7Ctwgr%5E8de00d3da7f99b60e5f40fa6e34f0682d86cb78f%7Ctwcon%5Es1_\&ref_url=https%3A%2F%2Fcdn.iframe.ly%2FKzWH2xma%3Fapp%3D1) around Wall Street, cards were either not accepted or came with high fees and minimums.

The world runs on incentives and [network effects](https://www.notion.so/1-2-Problems-with-wallets-stablecoins-26da0cf0de2e80baaed1dfad62f88f6d?pvs=21). They are very hard to disrupt, but once disrupted with the right incentives, they become extremely valuable and difficult to imitate (think Uber or Airbnb).

Stablecoin Payments need infrastructure and incentive-led distribution unlocks to fully take over finance. [Visa was originally set up almost like a DAO](https://x.com/RamXBT/status/1871080450489205021), with partner banks and merchants. They started a flywheel by providing the right incentives, solved fragmentation and interoperability, a card from Bank X would work at Merchant Y anywhere, solving fragmentation.

> **Sources**
>
> * [Visa DAO](https://x.com/RamXBT/status/1871080450489205021)
> * [Network Effects](https://www.nfx.com/post/network-effects-bible)
> *  [Payment Multiplayer games](https://x.com/chuk_xyz/status/1952001048836555233)
> * [Stores in Wall St, New York](https://x.com/RamXBT/status/1811210890709962848?ref_src=twsrc%5Etfw%7Ctwcamp%5Etweetembed%7Ctwterm%5E1811210890709962848%7Ctwgr%5E8de00d3da7f99b60e5f40fa6e34f0682d86cb78f%7Ctwcon%5Es1_\&ref_url=https%3A%2F%2Fcdn.iframe.ly%2FKzWH2xma%3Fapp%3D1)
> * [tweet by Gwart ](https://x.com/GwartyGwart?ref_src=twsrc%5Etfw%7Ctwcamp%5Etweetembed%7Ctwterm%5E1969146828038787410%7Ctwgr%5E767fc9084ca702567860bd2ff23c3935377f215a%7Ctwcon%5Es1_\&ref_url=https%3A%2F%2Fcdn.iframe.ly%2FMIOjZdvJ%3Fapp%3D1)


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