According to Kevin Lehtiniitty, CEO of Borderless, infrastructure providers are shifting from a single-vendor "black box" stablecoin payment system to a modular, web-based model. This "Stablecoin 2.0" approach enables enterprises to connect with multiple liquidity providers across global markets, thereby improving the reliability, pricing, and regulatory adaptability of stablecoin exchanges for local fiat currencies. The goal is to embed stablecoin technology into the financial infrastructure of cross-border payments, reducing reliance on costly traditional systems.