Spiral yang Didukung Jack Dorsey Memperingatkan Bitcoin Kalah Bersaing dalam Pembayaran dari Stablecoin

Chris_Low · 2026-10-28T06:43:07.000Z

Bitcoin masih kesulitan digunakan sebagai alat pembayaran sehari-hari meski telah mengalami kemajuan teknis selama tujuh tahun pada infrastruktur pembayarannya, menurut laporan yang diterbitkan oleh Spiral, kelompok pengembangan yang didukung Jack Dorsey. Dalam “The Long Road to Bitcoin Payments,” inisiatif Block memperingatkan bahwa belanja konsumen masih lemah, sementara stablecoin berdenominasi dolar dengan cepat menguasai pasar perdagangan digital dan transaksi otomatis. Kini, kelompok tersebut meminta para pengembang mengajukan proposal ambisius untuk membalikkan tren ini dalam lima tahun.

Bitcoin is struggling to gain traction as everyday money despite seven years of technical progress across its payment rails, according to a report published by Jack Dorsey-backed development group Spiral. In “The Long Road to Bitcoin Payments,” the Block initiative cautioned that consumer spending remains weak while dollar-denominated stablecoins rapidly capture the digital commerce and automated transaction markets. The group has now called on developers to submit ambitious proposals to reverse this trajectory within five years.
The report highlights a widening disconnect between expanding payment infrastructure and consumer habits. More than one million U.S. merchants can now accept Bitcoin through Square, and the Lightning Network has simplified integration for application developers. However, consumers largely continue to treat Bitcoin as a store of value rather than a medium of exchange. The trend directly conflicts with Dorsey’s long-standing view that the network fails if it functions merely as “digital gold” rather than a currency for daily use.
Spiral identified stablecoins as Bitcoin’s fiercest competitor, noting that tokens like USDC and PYUSD offer price stability without exposing merchants or shoppers to volatility. This advantage is proving decisive in emerging machine-to-machine payments, where automated AI agents purchase data and computing services. Spiral estimated that approximately 99% of transactions on Coinbase’s x402 payment protocol use USDC, despite Block introducing Lightning support to the system.
Regulatory frictions also continue to suppress consumer adoption. In the United States, spending Bitcoin triggers capital gains tax events even on trivial purchases, creating reporting burdens that dollar-pegged alternatives avoid.
To break the deadlock, Spiral is seeking developer blueprints focusing on shared multi-currency Lightning rails, merchant discount incentives, and micropayments for AI inference. The organization has launched an open GitHub initiative to gather data on transaction volume, repeat usage, and checkout success rates.