Franklin Templeton’s crypto insight predicts that the days of stablecoins as the primary conduits for daily digital payments are not too far off. The Head of Digital Assets at the firm, Roger Bayston, asserted that the current situation is such that what matters is the usage of the virtual currencies and not their price growth.Bitcoin was initially proposed for payments; however, the situation has changed over time. Investors now prefer to hold on to Bitcoin rather than liquidate their position. This trend mirrors the larger cryptocurrency movements in the global markets and investment portfolios.Bayston mentioned that the increasing price of Bitcoin has changed the way people deal with the asset. People prefer to store the asset and not use it daily since there will be a long-term appreciation. This trend has, in turn, made Bitcoin less attractive for small purchases or regular transactions.However, usage of stablecoins for trading, transfers, and merchant payments is on the rise. Their stable value lends support to faster settlement, without price risk being involved. This characteristic is an ideal one for the modern digital finance systems.Bitcoin was initially designed as a peer-to-peer network for payments. In those days, the users regarded it as if it were digital cash that could be used for normal purchases and services. But as the price increased, so did the reluctance to spend the asset that was expected to become more valuable.Bayston has pointed out that the users have now started treating Bitcoin as a digital commodity. It is often placed alongside gold or other long-term stores of value. This gradual change has restricted the use of Bitcoin to just investment portfolios and not down the checkout counters anymore. Moreover, volatility is another factor that limits the role of Bitcoin in payments.Price fluctuations can create uncertainty in the settlement process for both businesses and consumers. Hence, the current state of Bitcoin adoption is more about wealth preservation and less about commercial exchange. Such a transition further asserts the notion that Bitcoin has indeed grown into a long-term holding instrument.Stablecoins are intended to maintain their value over time by attaching themselves to the US dollar or government bonds, for example. Such a system leads to the reduction of price fluctuations as well as the increase of trust in the prices.Stablecoins, in contrast to Bitcoin, are not created for capital appreciation. Their advantage is in allowing smooth operations and predictable settlements. The use of stablecoins is in remittances, cross-border payments, and on-chain commerce. Companies are able to transact faster and incur lower conversion costs.Customers have easier access to digital payments and are not at risk of the dramatic price swings associated with the market. That balancing act is the reason why stablecoins have come to account for such large portions of the cryptocurrency transaction volume. Their structure accommodates real-life trade rather than speculative possession.Meanwhile, some developers are on the lookout for new solutions to make Bitcoin more usable for transactions. Layer-two networks and decentralised finance instruments are being tested for their potential to make the processing faster and cheaper.