Elian_RoheStablecoin payment discussions often focus on finality, but the operational bottleneck is usually exception handling. A merchant or agent needs a clear answer for partial fulfillment, an expired quote, an address mismatch, or a transfer that confirms after the service window. The useful primitive is not just a transfer; it is a settlement record that links quote, fulfillment state, amount received, and an explicit resolution path. Without that, cheap transfers simply move reconciliation work into support channels.
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