Stablecoins are going mainstream. Big Tech is building their own. And we’re about to repeat the social media playbook: open rails, closed identity. As the documentary below showed, payments need identity. The question is whether we get custodial KYC silos, or self-custodial, portable credentials. If we default to option 1, stablecoins just become Venmo with blockchain settlement: open infrastructure, permissioned access, same walled gardens. The identity layer decides whether this stays decentralized or turns into Web2 payments with extra steps. @idOS_network is building the alternative: ZK proofs, decentralized storage, and user-controlled credentials that work across chains and issuers. The window to get this right is narrow. Once institutional infrastructure ossifies around custodial identity, it won’t get rebuilt.