TechFlow news — At the Future Stablecoin Summit 2025 organized by WOW Impact Group, Gary Tiu, Executive Director and Head of Regulatory Affairs at OSL, pointed out that the competitive dynamics in the payments space can essentially be summarized by the "toll road theory." Payment channels resemble toll roads, where users choose the most efficient and least friction-filled route in terms of time and cost. Similarly, capital flows seek pathways that are regulation-compliant, fast-settling, and cost-optimized—this is why stablecoin payments are gradually gaining broader acceptance among traditional financial institutions.
Gary Tiu cited data emphasizing that the efficiency of Web3 payments is shaping the future of payments, and this "experience gap" could further push traditional financial institutions to accelerate their transformation into Web3.
