EU mobile payment adoption jumped from 36% in 2024 to now—big shift in merchant behavior.

Meanwhile crypto + stablecoins still stuck at 1% of total EU payments. Regulatory chokehold or just no real demand?

$BTC $USDT $USDC barely moving the needle in Europe while TradFi rails eat the whole pie.

Either we're still early or the EU retail/merchant onramp is completely broken. Which is it?