The stablecoin credit card patent filed by KB Card marks a quiet infrastructure transformation within Korea's largest financial group, rather than a marketing gimmick. This move aligns with Korea's pragmatic regulatory approach, as legislators are finalizing rules related to stablecoins supported by the Korean won and aim to introduce the relevant framework in the first quarter. The credit card allows stablecoins to be settled in the background, enabling faster and cheaper transactions while maintaining the familiar credit card experience for users, thereby reducing friction. This indicates that stablecoins will gradually penetrate everyday spending areas through trusted institutions, such as purchasing groceries and taking public transportation, and users will develop the habit of using stablecoins before most are even aware of this shift.