Ethereum to be honest. I stated this elsewhere but PC isn&#x27;t dumb and has a lot more data points than I do, although I consider myself someone who knows(maybe incorrectly) a bit about how these things seem to be moving.<p>Obviously, it would be insanely difficult to de-risk that, but I also assume that some of their assumptions are:<p>* [x]coin is a solved problem, as it transacts globally by default and has an API already.<p>OR<p>* [x]coins aren&#x27;t there yet, super risky, and for the foreseeable future remain difficult and cumbersome to use programmatically so we will internally build some of that tooling and wait for less risk and hire adoption.<p>AND<p>* People, like previous versions of us(from p&#x2F;j&#x2F;collisons perspective) need this now and it is a huge pain point for many to do business internationally.<p>* Even in country this is totally full on wacky.<p>So, I don&#x27;t think it is congnitive dissonance to believe both these things, and in fact we are over predicting here. That is why I am put out. Not because of anything Stripe did, but because I think they could be correct about how long this transition will take.