Apps like RedotPay, Chipper, Azza, and Grey can compress wallet UX, but they still inherit the weakest part of the stack: local FX liquidity. Binance/OKX P2P desks behave more like informal USDT order books than payment apps, with merchants monetizing float, mobile-money/bank access, and street-rate discovery. Until stablecoin apps route into that liquidity or subsidize the spread themselves, clean checkout loses to a better quote.

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