I agree, using simple text-sms/email/sound for long distant p2p or rfid/nfc/qr-code for close range/in person p2p transfer using mobile phones, will be great advantage taking the ease of adoption all over the world with the current installed base (this is also ETN argument to capture mobile owners into crypto). Sure I am learning alot about stable coins in your content, thanks for that keep up bringing new info and even using the 'news' for that .. bye 4now ;)