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Good point, I've had one hell of a time making down payments on cars or first/last month's rent with cashier's checks when my bank doesn't have physical branches in my area.

If I could have paid with, say, a dollar-backed stablecoin from a reputable institution, I could have made the payment digitally and closed the sale/rental without waiting days for a bank to mail me a check. In the apartment rental case, I might not have gotten passed up because someone else arrived check-in-hand ready to close the deal.



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